Restaurant Insurance in Connecticut

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

Business Owner’s Policy

Business Owner’s Policy

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Workers’ Compensation insurance

Workers’ Compensation

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General Liability Insurance

General Liability

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Commercial Property insurance

Commercial Property

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Other Coverages

Other Coverages

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Restaurant insurance can help protect you from:

Theft

Theft

Burglary means that expensive equipment and inventory needs to be replaced – fast.
Injury or illness liability

Injury or illness liability

A customer files a lawsuit or asks for medical payments to cover an injury or claims of food poisoning.
Property damage and vandalism

Property damage and vandalism

A kitchen fire, water damage or power outage can damage equipment and inventory.
Liquor Liability

Liquor Liability

If an intoxicated customer breaks something or causes an injury you could be held liable.
Restaurant insurance in Connecticut designed to protect your business

Restaurant insurance in Connecticut designed to protect your business

NEXT specializes in providing customized insurance for small businesses and the self-employed. We offer affordable coverage tailored to restaurant business in Connecticut so you are always protected against unpredictable events. The most common insurances packages bought by  restaurant business in Connecticut include:

  • General liability
  • Professional liability
  • Workers’ compensation
  • Commercial property

How NEXT helps restaurant businesses

See the coverage plans for Restaurant Insurance in Connecticut

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic
Lowest Price
General Liability
Per occurrence
$500,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
Get the restaurant business insurance in Connecticut that’s just the right fit
We offer customized restaurant insurance policies to small businesses and the self-employed in Connecticut. Oh, and you save up to 10% when you bundle two or more policies.
General Liability

General Liability

Bought by 95% of business owners like you
General liability insurance covers a wide range of restaurant accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by property owners and local governments. If your business sells or serves alcoholic beverages, you likely need liquor liability insurance. You can purchase liquor liability insurance alongside our general liability policy.

general liability can help you pay for:

Medical payments
Property damage
Legal fees and judgments
Workers' Compensation

Workers' Compensation

For business owners who hire employees
Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury to an employee. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.

workers compensation can help you pay for:

Medical expenses
Lost wages
Employer liability
Commercial Property

Commercial Property

For business owners who own or rent physical spaces
Commercial property insurance can help protect your business equipment, inventory, food spoilage and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs.

commercial property can help you pay for:

Damaged equipment and inventory
Lost income
Operating expenses
Cost of Restaurant insurance in Connecticut

Cost of Restaurant insurance in Connecticut

NEXT makes sure that a restaurant in Connecticut gets the right coverage for the most competitive rates. Policies are customized for you based on:

  • Your work experience
  • Your claims history
  • How many vehicles you use for work
  • How many employees you have

A restaurant business in Connecticut can pay as little as $21 each month for business insurance.†

Your restaurant business risks can change from time to time and that can impact your insurance needs. We’re here to make sure you always have the right coverage.

What does a Restaurant need insurance for in Connecticut?

What does a Restaurant need insurance for in Connecticut?

With business insurance from NEXT, you’ll have the protection you need to get your restaurant business to the next level. Insurance can help you in many ways:

  • General liability coverage helps pay for damage to property that doesn’t belong to you.
  • Professional liability insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.
  • Workers’ compensation insurance can help cover medical bills and lost wages after a work-related injury. Workers’ comp coverage is usually required by law if you have employees.
  • Commercial auto coverage will help pay for collision and other driving-related damage.
  • Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event.

Frequently asked questions about restaurant business insurance

Here are some of the most common questions we get about restaurant business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

Does NEXT Insurance offer restaurant business insurance in Connecticut?

Yes, NEXT Insurance offers tailored restaurant business insurance in Connecticut.

Does NEXT Insurance offer Workers' Compensation coverage for restaurant business in Connecticut?

Yes, NEXT Insurance offers General Liability, Professional Liability, Workers' Compensation, Commercial Property coverage for restaurant business in Connecticut.

How does business insurance protect restaurants?

Our restaurant insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

A server spills soup on a client’s designer purse and cell phone. The general liability coverage in your insurance package would help pay for replacements.

Accidents that hurt someone

A customer slips and falls in your restaurant’s parking lot. Your restaurant general liability coverage would also come into play here by defending you from legal fees and helping to pay for damages if you are found liable.

Liquor liability insurance

An intoxicated customer accidentally knocks another patron to the ground on the way to the bathroom. The guest breaks her wrist in the fall and sues your business for the medical expenses. Liquor liability insurance can help with legal defense costs or any medical bills for which you may be held responsible.

Professional mistakes

Your staff incorrectly answers a customer’s question about ingredients and they wind up in the hospital with an allergic reaction. Our general liability policy includes professional liability insurance, which helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.

Workplace injuries

One of your cooks gets burned by hot oil in the kitchen and needs medical attention. Workers’ compensation coverage with business owner’s coverage can help cover medical bills and lost wages while they recover. Workers’ comp is usually required by law if you have employees.

Injuries and damage involving your business vehicles

Your employee accidentally reverses the restaurant’s van into a parked car. Commercial auto coverage will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Damage to your own property

A grease fire breaks out and damages most of your facility’s kitchen. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

How can I get a certificate of insurance (COI)?

Once you have a NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI instantly or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a consultant business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How do you file an insurance claim with NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.
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More professions that are covered by NEXT

Bakery, Butcher Shop, Catering, Coffee Shop, Farmers Market, Food Cart, Food Truck, Grocery Store, Personal Chef, Restaurant
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
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© 2024 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.