Whether you’re shipping baked goods from your kitchen or ironing your tablecloths before opening, NEXT has the affordable food business insurance tailored to match your business risks and needs.
Oh, and monthly payments to keep your cash flow healthy (even if your menu isn’t).
Food service business insurance offers you protection from a wide range of unexpected events and accidents, including:
We know there are hundreds of things to keep track of when you run a food service business, so we’ve curated helpful checklists and tips for restaurant owners to protect and grow your food business.
We’ve also designed insurance policies to take some of those worries off your plate.
Having the right types of insurance for your food service business means that you don’t have to pay out of pocket if an accident does occur. You can run your business and keep your customers happy without worrying about those pesky “what if” scenarios.
Food service general liability insurance offers broad protection that can help cover expenses if a customer gets hurt at your business, if someone claims you caused food poisoning or if someone says your marketing efforts were misleading or slanderous.
That’s why general liability is usually the first type of insurance food and beverage business owners buy.
For example, if two of your servers collide and spill food and coffee on customers, ruining their laptop, liability can cover a replacement and protect you if the customer files a claim.
Or if one of your chefs doesn’t follow protocol for cooking chicken and, as a result, customers get salmonella food poisoning and are hospitalized, your business could be held liable for the medical expenses.
You can save up to 25% in discounts when you buy food and beverage business insurance with NEXT. The exact amount you pay will depend on:
Get covered in 10 minutes and you can save up to 25% in discounts
Coverage that grows with you and easy monthly payments
Do it all 100% online or talk to a licensed U.S.-based advisor
Workplace injuries happen more frequently than you might think, especially when you’re working in the fast-paced food service industry.
Workers’ comp can help pay for medical bills after a workplace injury or illness. It can also help to cover lost wages while the employee is recovering.
You can also add owner’s coverage to your policy to protect yourself.
This coverage is required for businesses with employees in every state except Texas.
You’ll need commercial auto insurance in most states if you have vehicles that are titled to your business. It can also protect your personal vehicle if you use it for business purposes, such as deliveries and transporting catering equipment.
Commercial auto coverage can help pay for expenses after an accident and repair costs if your work vehicle is damaged.
Restaurant owners can buy property insurance to help protect business equipment, inventory, furniture and the commercial structures they own.
Property insurance can help cover costs if your business property is damaged due to a covered event, such as a burst water pipe or fire.
It can also help to replace inventory, such as spoiled food after a power outage.
Employment practices liability insurance (EPLI) can help pay for legal fees if you or someone at your business is accused of Americans with Disabilities Act (ADA) violations, sexual harassment, discrimination or wrongful termination. EPLI is included in the Pro or Pro Plus version of general liability insurance for restaurants.
Great quick interest.
Adding our worker's comp was easy and it will be an automatic deduction and payment.
great experience thus far
Thanks for being a reasonable provider of business insurance, next has been a great help. Thank you
Thanks for making a General Liability quote and issue so easy!
The process was as fast
The process was as fast and easy as advertised
NEXT is a beautiful simple forum that is easy enough for even me to figure out. I love it
easy, fast. Coverage are satisfied.