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, ERGO 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).
We specialize in insurance for food and beverage services
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You can bundle and save up to 10% on food and beverage insurance with ERGO NEXT.
You can save up to 25% in discounts when you buy food and beverage business insurance with ERGO 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
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.
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.
Other important business insurance coverage for restaurant owners
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.