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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 you can save 10% when you bundle two or more of our policies.
Get a QuoteChoose your profession for more details or start an instant quote and get covered fast
You can save up to 30% when you buy restaurant insurance with Next. The exact amount you pay will depend on:
Restaurant 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 designed policies to take some of those worries off your plate.
Having the right types of insurance for your restaurant 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.
Get Instant QuoteRestaurant 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.
Get Instant QuoteLiability insurance is a good start to making sure you’re covered but you can also customize your business insurance to protect your business property, your employees and your vehicles.
We typically recommend:
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.
Learn more about commercial property insurance.
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.
Learn more about workers’ comp.
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.
Learn more about commercial auto.
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.
You can file a claim in a few steps, either online or over the phone. Call us as soon as an incident occurs at (855) 222-5919 to report what happened. One of our claims specialists will ask for details, so please be ready to tell us: the name your policy is under so we can find the right ones, where the incident happened, what the injured person was doing at the time and the type of injury sustained and details and contact information for everyone who was involved. A claim is created after you report this information and a claims advocate will be assigned to investigate your case to decide if it should be approved or denied. We strive to make claims decisions as quickly as possible so you can get back to focusing on your business. Check out our claims page for more details.
