Restaurant insurance can help protect you from
The costs of property damage
A kitchen fire, burst water pipe, vandalism or theft damage your space and you need repairs.**
Injury or illness liability
A kitchen injury or a customer claim of food poisoning means medical bills – and you could be asked to pay.
Equipment breakdown costs
A power outage zaps your refrigerator or freezer – and you need a fast replacement before the thaw.
The financial loss of food spoilage
Property damage or equipment failure could wipe out a walk-in full of product, and that loss could hurt.
Lost income
If you have to close for repairs after a covered event, business insurance could help cover costs until you recover.
Liquor Liability
If an intoxicated customer causes property damage or injury, you could be held responsible.
Get restaurant business insurance that’s fast, easy and affordable
ERGO NEXT specializes in small business insurance. Insurance for restaurants could help protect you, your building space and your employees.
ERGO NEXT makes it easy to:
- Check prices, get covered and buy 100% online in about 10 minutes.
- Manage your policy 24/7 via web or mobile app.
- Pay monthly or annually and cancel anytime.
- Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.
ERGO NEXT specializes in business insurance for restaurants
The best insurance for restaurants is usually several types of policies to help provide financial protection after unexpected events and accidents. Your coverage may include:
Restaurant General Liability insurance
For customer illness and injury and damage to other people’s property
Restaurant liability insurance is one of the most common coverages for food service business owners. If a customer asks you to cover medical expenses after tripping on a table leg or claims they got sick from your food, this type of business insurance could help with the costs and a legal defense, if needed. If you or your employee damage someone else’s property, such as a server who accidentally spills water on a customer’s laptop, restaurant general liability coverage could help. And if you’re accused of libel, slander or copyright infringement in your advertising, liability coverage could also help cover court costs, legal settlements and judgements.
general liability can help you pay for:
Customer medical bills after an accident
Damage to a guest’s personal property
Legal fees and settlements
Costs related to advertising or reputation claims
Workers' Compensation insurance
Protection for employees who get hurt or sick on the job
Restaurant workers’ comp insurance is required in most states if you have employees. This type of coverage could help cover medical bills and lost wages if someone on your team suffers a work-related illness or injury. Your workers’ compensation insurance policy could help protect your employees, from fast food cooks handling hot oil to fine dining servers lifting heavy bags and boxes.
workers compensation can help you pay for:
Medical treatment for bodily injuries
Lost wages while employees recover
Employer liability related to workplace injuries
Commercial Property insurance
Protection for your kitchen equipment, food inventory and building space
Restaurant business insurance could help cover damage to big kitchen gear like stovetops, freezers, refrigerators and mixers, pantry staples and freezer stock, as well as front-of-house furnishings like tables, chairs and flooring. Property coverage could help with many other supplies you need to keep your restaurant running – POS systems, laptops, tableware, etc. Whether it’s a burst water pipe in the kitchen, a fire in the dining area or a break-in overnight, this type of business insurance for restaurants could help. And if you need to close temporarily after a covered event, a commercial property policy could assist with lost business income while you repair and rebuild.
commercial property can help you pay for:
Damaged equipment and furniture and fixtures
Repairs or replacements to building fixtures
Lost income if you’re forced to close after a covered event
Business Owner’s Policy (BOP insurance)
Financial help after customer injuries and property damage
BOP insurance combines commercial general liability insurance and commercial property insurance at a price that’s often more affordable than buying two separate policies.
business owners policy can help you pay for:
Customer injuries (also called bodily injury)
Property damage
Food contamination replacement
Business income interruption
Equipment breakdowns
Liquor Liability insurance
Help for the actions of intoxicated customers served alcohol at your restaurant
Liquor liability coverage, an add-on to ERGO NEXT’s general liability policy for restaurant owners, could help protect your business if an intoxicated customer causes harm or damage. This type of small business insurance could cover legal and medical costs related to alcohol-related incidents on or off your premises.
liquor liability can help you pay for:
Some medical expenses after Injuries
Damage to property caused by intoxicated guests
Legal fees and settlements
ERGO NEXT Insurance reviews
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ERGO Next Insurance for small businesses
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Save up to 25% in discounts on insurance for restaurants
Pay monthly or annually, and you can cancel 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
How much does restaurant insurance cost?
Premiums for restaurant business insurance are more affordable than you might think. The exact price you’ll pay for your business insurance cost depends on a number of factors, including:
- The type of work you do.
- The types of clients you have.
- Your business location.
- Your number of employees.
- Annual revenue.
- The coverage limits and deductible you choose.
- Your insurance claims history.
The best way to see the exact cost of what you’ll pay is to check our prices. In about 10 minutes you’ll see ERGO NEXT’s restaurant insurance quote of tailored coverage for your business.
How can restaurant insurance coverage help your business?
You might need restaurant liability insurance and more to help your business:
- Open and serve the public. Property owners and local governments might require business insurance for things like a lease or local business licensing.
- Repair or replace business gear. Protect your inventory, equipment and the building that you lease or own.
- Shield you from liability costs. Accidents, spills, splatters and burns can cause damages that could cost you.
- Hire employees. Most states require workers’ comp insurance for small businesses with employees.
Deliver, pick-up or drive for business. Business-owned vehicles and personal vehicles you drive for work typically need commercial auto insurance coverage.
Restaurant insurance FAQ
If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.
What kind of insurance does a restaurant need?
Restaurant insurance isn’t just a single policy. It’s a combination of several different types of business insurance that cover different business risks. Most restaurants could benefit from the protection of:
- Commercial general liability insurance for non-employee injuries and damage to property you don’t own.
- Commercial property insurance for the property you own or rent, including kitchen equipment and front-of-house fixtures, food inventory and the building you own or lease. Property coverage could also help with lost income if you have to close temporarily for repairs after a covered event.
- A Business Owner’s Policy (BOP insurance) which combines general liability and commercial property coverage into a single, often more cost-efficient, policy.
- Workers' comp insurance for protection over employees who get hurt or sick on the job.
- Liquor liability insurance to help protect you from costs associated with the actions of intoxicated customers served at your restaurant.
- Employment Practices Liability insurance (EPLI), which is an optional add-on to general liability insurance for coverage around employee lawsuits for discrimination, harassment and wrongful termination.
- Product liability Insurance if your restaurant makes or sells retail goods (housemade or packaged).
Commercial auto insurance for incidents surrounding the cars, vans, trucks and trailers you or your employees drive for pickups and deliveries.
What can commercial restaurant insurance cover?
Here are a few common examples of what could be covered by your restaurants insurance:
- A customer slips and falls in your dining area and files a claim for the medical costs of their injuries.
- Essential equipment is damaged in a kitchen fire — and you can’t cook until it’s replaced.
- An employee is burned or seriously cut while prepping dinner and they need immediate medical attention.
- You need to fix a broken window and repair damaged property after a break-in or vandalism attack.
What do I need to get an insurance quote online?
It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, 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 can I get a certificate of insurance (COI)?
Once you have a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.
How do you file an insurance claim with ERGO NEXT?
If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
