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Restaurant Insurance in Utah

Save up to 30% on business insurance
Catering insurance

Smart insurance for restaurant business in Utah

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
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Save up to 30% on restaurant business insurance in Utah

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

We’ll help you get the business insurance coverage you need in Utah

It’s all about managing your risk. See the different policies available for restaurant business in Utah and save up to 10% when you bundle.
General Liability

General Liability

Bought by 95% of business owners like you
General liability insurance provides financial protection if an accident happens at your restaurant business, such as a customer injury or damages to someone’s property. It also provides coverage if you have to defend an accusation of libel or slander.
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 (also known as errors and omissions or indemnity insurance) helps you defend yourself and your restaurant business if you’re accused of making a mistake that causes someone to lose money. It could help cover related expenses to defend yourself or address the problem.
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 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
Learn more
Commercial Property

Commercial Property

For business owners who own or rent physical spaces
Commercial property insurance is one of the most common types of small business insurance restaurant owners buy because of the different types of coverage it offers. It helps with replacement or repair costs if property is stolen or damaged due to a covered event, such as a burst water pipe, fire or vandalism.
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 Utah expect to pay for insurance?

Your restaurant insurance costs in Utah will be tailored to your business. Several factors will impact the price you pay, including:

  • Your claims history
  • How high you set your limits
  • Your work experience
  • How many people you employ

A restaurant in Utah usually pays about $17  each month for a business insurance policy.

With coverage built for more than 1,300 small business professions, NEXT offers you the right small business insurance at the right price, no matter what you do.

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It's easy to get business insurance for your restaurant in Utah

A restaurant business in Utah is a busy small business with little time to sweat the details of insurance. NEXT takes the hassle out of insurance by getting rid of jargon and endless phone calls. With NEXT, you can:

  • Get a quote and buy coverage in less than 10 minutes.
  • Get proof of insurance when you need it with no waiting around.
  • Manage your coverage 24/7
  • Pay as you go and cancel anytime NEXT makes business insurance easy.

You can buy and manage your insurance anytime you want and get back to business fast.

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