Restaurant insurance can help protect you from:
Theft
Replace stolen equipment and inventory fast.**
Property damage and vandalism
A kitchen fire, busted water pipe or power outage can damage inventory and cause equipment breakdown.
Injury or illness liability
A customer files a lawsuit or asks for medical payments to cover an injury or illness.
Liquor Liability
If an intoxicated customer breaks something or causes an injury you could be held liable.
Get restaurant insurance that’s fast, easy and affordable
NEXT specializes in small business insurance. Restaurant business insurance can help protect you, your restaurant and your employees. It can provide financial protection for unexpected events and accidents.
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.
How NEXT helps restaurant businesses
NEXT specializes in business insurance for restaurants
Business insurance for restaurants is usually several types of policies, and you can save up to 10% when you bundle certain policies. Your coverage may include:
General Liability insurance
For customer injuries and damage to property you don’t own
Restaurant liability insurance is one of the most common coverages for business owners. If a customer has a slip-and-fall accident or a cafe server accidentally spills water on a customer’s laptop, restaurant general liability coverage could help.
general liability can help you pay for:
Customer medical expenses 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 can 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 equipment, food inventory and building
Commercial restaurant insurance can help cover damage to things like kitchen equipment, furnishings like furniture and flooring, and many other supplies that keep your restaurant running. Whether it’s a burst pipe in the kitchen, a fire in the dining area or a break-in overnight, this type of restaurant insurance coverage can help with repairs, replacement and lost business income due to business interruption.
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 (a.k.a bodily injury)
Property damage
Food contamination
Business income interruption
Equipment breakdown coverage
Liquor Liability insurance
You could be liable for the actions of intoxicated customers served at your restaurant
Liquor liability coverage, an add-on to NEXT’s general liability policy for restaurant owners, can help protect your business if an intoxicated customer causes harm or damage. This type of small business insurance can 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
NEXT Insurance reviews
Simple process
Love my new insurance company. The process to get started is very simple. This insurance is the most affordable I've had in the last 4 years!
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Great insurance
I have not seen any insurance this simple. They make it easy. They have whatever coverage you need.
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NEXT Insurance for small businesses
This place is awesome and very affordable. Without NEXT I'd be paying an arm and a leg somewhere else. NEXT, THANK YOU so very very much.
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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
Professional Liability (E&O)
Per occurrence
$250,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
General Liability
Per occurrence
$1 million
Professional Liability (E&O)
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
Professional Liability (E&O)
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
How much does restaurant insurance cost?
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 know for sure what you’ll pay is to check our prices. In about 10 minutes you’ll see the exact cost of tailored coverage for your business.
How can restaurant insurance coverage help your business?
You might need insurance for a restaurant to help your business:
- Serve customers. Property owners and local governments might want you to have insurance like general liability or workers’ compensation for things like a lease or local business licensing.
- Repair or replace property you own or rent. Protect your inventory, equipment and the building that you lease or own with commercial property insurance.
- 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 can commercial restaurant insurance cover?
Some of the most common scenarios that could be covered by your restaurants insurance include:
- 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 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 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 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.
