Welcome National Restaurant Association members!


Protection for your kitchen, customers, and employees — save up to 25% in discounts*

Why do restaurant business owners need insurance?

Slip-and-fall injuries

Slip-and-fall injuries

Someone trips or slips on your premises and they file a lawsuit to cover medical costs. (Employees are excluded.)
Property Damage

Property Damage

Kitchen fire, heavy rain or vandalism occurs in your space and damages your property or your equipment (including food spoilage).
Food Poisoning

Food Poisoning

A customer claims they got food poisoning after eating at your restaurant.
Liquor Liability

Liquor Liability

An intoxicated customer breaks something or injures another patron in a fight; according to the law, you may be liable.

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

Restaurant, Catering, Bakery, Coffee Shop, Food Cart, Grocery Store
Lower your risk with the coverage your business needs
NEXT offers the policies you need for the different types of risk that come with operating and Food Service business. You’ll find it easy to design the coverage that’s right for you.
General Liability insurance
General Liability
Helps you cover expenses if a customer slips & falls at your restaurant or if someone claims you gave them food poisoning.
Workers' Compensation Insurance
Workers’ Compensation
Helps cover medical bills and lost wages related to employee workplace injuries.
Commercial Property Insurance
Commercial Property
Helps cover costs if your property is damaged due to a covered event like a burst water pipe or fire — or replace inventory, such as spoiled food after a power outage.
Business Owner’s Policy Insurance
Business Owner’s Policy
Helps cover business losses that occur when your physical location, equipment or inventory are unexpectedly damaged and unusable.
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You’ll get all the discounts you are eligible for. Save up to 25% with NEXT.

Here are some of the discounts that help to bring down your insurance costs.

  • ServSafe — food safety training that helps keep customers safe
  • TIPS — accredited training designed to prevent intoxication, underage drinking, and drunk driving
  • Home-based food service discounts

Learn more about restaurant insurance costs and coverage.

Frequently asked questions about restaurant 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.

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.

If I work from my home, will my homeowners insurance cover me?

Running a business from your home can save you many costs associated with a separate location. But since your business adds unique risks regardless of location, your homeowners/renters policy won’t be enough. NEXT helps you cover what your homeowner insurance doesn’t.

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.

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.