top

Mon – Fri | 6 a.m. – 5 p.m. PT

Food And Beverage Insurance

Protection for your kitchen, customers, and employees.
Food And Beverage Insurance

Get the customized restaurant insurance you need for your food service business

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).

Get a Quote

We specialize in insurance for food and beverage services

Choose your profession for more details or start an instant quote and get covered fast

Bakery, Catering, Coffee shop, Farmers market, Food carts, Food delivery, Grocery store, Meat shop, Personal chef, Restaurant,

Business insurance has never been easier

Customized food and beverage business insurance to protect your customers, kitchen and employees.
Get covered in 10 minutes and save up to 30%
Coverage that grows with you and easy monthly payments
Do it all 100% online or talk to a licensed U.S.-based advisor
Get a Quote
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
How much does insurance cost

You can bundle and save up to 10% on food and beverage insurance with NEXT.

You can save up to 30% when you buy food and beverage business insurance with NEXT. The exact amount you pay will depend on: 

  • The type of food service business you operate
  • Where your business is located
  • Your payroll and the kinds of jobs your employees do
  • The number and types of vehicles you use at work
Get Instant Quote

Take a few minutes to get an instant quote and see how much business insurance will cost.

Get a Quote
Get a quote - NEXT insurance
Dedicated small business insurance

Why do food and beverage business owners need insurance?

Food service business insurance offers you protection from a wide range of unexpected events and accidents, including: 

  • A customer slipping and falling on a wet floor 
  • An employee who is injured on the job
  • Damage equipment
  • Spoiled inventory 

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 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.

Get Instant Quote

How food service liability insurance protects your business

Food service 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 Quote
Get business insurance coverage

Other important business insurance coverage for restaurant owners

Liability 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: 

Commercial Property Insurance
Commercial Property insurance for restaurants

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.

Workers' Compensation Insurance
Workers’ Compensation for restaurants

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.

Commercial Auto Insurance
Commercial Auto insurance for restaurants

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.

Frequently asked questions about food and beverage services insurance

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 does business insurance protect food carts?

Our affordable food cart 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

You miscalculated the height of an awning and ripped it down with your food truck. The general liability coverage in your insurance package would help pay for a replacement.

Accidents that hurt someone

Your cart’s wheel goes over a customer’s foot and fractures a toe. Your food cart general liability coverage would also come into play here by helping to pay for medical costs and legal fees.

Workplace injuries 

You trip over a large crack in a sidewalk and sprain your ankle. Workers’ compensation coverage with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees. 

Injuries and damage involving your business vehicles

Your food cart rolls into a parked car and dents the rear bumper. 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 fire in your storage space leaves your food cart unusable. 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 does business insurance protect caterers?

Our catering service 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 busser accidently damages counter tops at an event space with your hot pans. The general liability coverage in your insurance package would help pay for repairs.

Accidents that hurt someone

A guest at an event gets a burn from a buffet chafing dish that requires medical attention. Your general liability coverage would also come into play here by helping to pay for medical costs and legal fees.

Workplace injuries 

A server trips over a guest’s foot and sprains their ankle. Workers’ compensation coverage with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Injuries and damage involving your business vehicles

A driver in front of you stops short to avoid a collision and you rear end them with your catering van. Commercial auto coverage will help pay for the repairs and medical bills. 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.

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 or would prefer to speak with an agent, call us at 855-222-5919 between 6 a.m. and 5 p.m. PT, Monday to Friday.

Take a look at some helpful blog posts