top

Mon – Fri | 8 a.m. – 5 p.m. CT

Restaurant Insurance in Rhode Island

Save up to 30% on business insurance
Catering insurance

Smart insurance for restaurant business in Rhode Island

NEXT is 100% dedicated to small businesses and the self-employed. We customize insurance for restaurant business so you have the coverage you need to protect your business. Coverage packages often include:

  • General liability
  • Professional liability
  • Workers’ compensation
  • Commercial property
Get a Quote

Save up to 30% on restaurant business insurance in Rhode Island

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 Rhode Island

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

General Liability

Bought by 95% of business owners like you
General liability insurance is included in most business insurance packages, including restaurant business, because it covers the risks that many business owners face every day. It’s not typically required by law, but some clients and agencies could ask you to have a certificate of insurance before they work with you.
General Liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Learn more
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
Learn more
Workers' Compensation

Workers' Compensation

For business owners who hire employees
Workers’ compensation insurance provides a safety net for restaurant business owners and their employees after a workplace injury. It can help cover expenses for medical treatment, lost wages and other costs. You’re required to purchase coverage in most states as soon as you hire your first employee.
Workers' Compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
Learn more
Commercial Property

Commercial Property

For business owners who own or rent physical spaces
Commercial property insurance covers restaurant business property, which can include the repairs, construction and related expenses if you own the building where you do business. And it can help you whether you lease space or own the property where you work.
Commercial Property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
Learn more
How much does business insurance cost

How much should a restaurant in Rhode Island expect to pay for business insurance?

Running a small business is a 24/7 job. That’s why NEXT makes it quick and painless to get the right coverage that’s customized exactly to your needs. A restaurant business in Rhode Island has unique needs and we tailor our policy based on:

  • How many people are on your payroll
  • The state and city in which you work
  • The kind of work you do
  • The number and types of vehicles you use for work

It usually costs about $17 each month for business insurance for restaurant business in Rhode Island.

When you save up to 30% on business insurance, you can afford to invest in growing your small business. We’re here to make sure you always have the right amount and kind of coverage.

Get a Quote

What are the restaurant insurance requirements in Rhode Island?

From your first day of business to your latest employee hire, NEXT is here to help your business thrive. Our flexible small business insurance provides the protection you need to get going and keep on growing. You might need insurance to:

  • Hire people. Rhode Island business requires workers’ compensation if you have employees.
  • Drive for work. Business-owned vehicles almost always need commercial auto insurance.
  • Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
  • Meet industry standards and state requirements for a restaurant business.
  • Grow with your business as you experience fluctuations.
Get a Quote
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 Rhode Island?
Yes, NEXT Insurance offers tailored restaurant business insurance in Rhode Island.
Does NEXT Insurance offer Commercial Property coverage for restaurant business in Rhode Island?
Yes, NEXT Insurance offers General Liability, Professional Liability, Workers' Compensation, Commercial Property coverage for restaurant business in Rhode Island.
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

Need a fast certificate of insurance?

Get covered in just a few clicks and have your COI in hand. Get Instant Quote