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Restaurant Insurance in Indiana

Save up to 30% on business insurance
Catering insurance

Restaurant insurance in Indiana 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 Indiana so you are always protected against unpredictable events. The most common insurances packages bought by  restaurant business in Indiana include:

  • General liability
  • Professional liability
  • Workers’ compensation
  • Commercial property
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Save up to 30% on restaurant business insurance in Indiana

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

We specialize in providing the right type of restaurant insurance for small businesses in Indiana

NEXT is made for entrepreneurs, hustlers and restaurant business owners in Indiana who like to stay covered and save money.
General Liability

General Liability

Bought by 95% of business owners like you
General liability insurance covers a wide range of restaurant business 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 clients and licensing agencies.
General Liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
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Professional Liability (e&o)

Professional Liability (e&o)

Bought by 80% of business owners like you
Professional liability insurance is designed to provide protection to your restaurant business from unexpected expenses if you’re accused of a professional mistake, such as a customer saying you didn’t complete a job on time and wants you to pay for financial losses.
Professional Liability (e&o) can help you pay for:
Legal defense costs
Legal judgments
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Workers' Compensation

Workers' Compensation

For business owners who hire employees
Workers’ compensation insurance protects employees and restaurant business owners from financial losses after a workplace injury or illness. It can help with reimbursing medical bills, rehabilitation costs, lost wages and other expenses.
Workers' Compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
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Commercial Property

Commercial Property

For business owners who own or rent physical spaces
Commercial property coverage helps protect almost all of the physical items you need to run your restaurant business, including your equipment, inventory and furniture. And the business income coverage in your property insurance could help cover the revenue you would have earned after an unforeseen flooding, as well as ongoing business expenses while you are closed.
Commercial Property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
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How much does business insurance cost

What's the price of restaurant insurance in Indiana?

The amount of money you can expect to pay for restaurant insurance in Indiana depends on the kinds of risks your business faces, such as:

  • What kind of work you do
  • Where you work
  • The kind of work your employees do
  • How many vehicles you use for business

Business insurance can cost a restaurant business in Indiana about $17 a month for basic coverage.

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How important is it for a restaurant in Indiana to have business insurance?

We know building a small business is an investment. To protect that investment, restaurant businesses in Indiana need insurance to avoid financial losses. Business insurance can protect your from:

  • Lawsuits. Without insurance, you might have to pay entirely out of pocket after an accident or mistake.
  • Damage to the physical items you need to do business.
  • Claims of work mistakes or negligence.
  • Injuries if an employee gets hurt on the job. Insurance can pay for medical expenses and help cover lost wages.

NEXT is dedicated to helping you find the affordable restaurant insurance coverage you need to stay protected, meet legal requirements and satisfy your customers.

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Everything you want to know about Insurance

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 Indiana?
Yes, NEXT Insurance offers tailored restaurant business insurance in Indiana.
Does NEXT Insurance offer General Liability coverage for restaurant business in Indiana?
Yes, NEXT Insurance offers General Liability, Professional Liability, Workers' Compensation, Commercial Property coverage for restaurant business in Indiana.
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?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How does the claims process work with NEXT Insurance?

  • If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
  • If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
  • If you cannot access your online account and require help from our support team, please visit our online help center.

Certificate of Insurance

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