Restaurant Success Center
Use these free resources to protect and grow your food business.

Tailored to your business
When you run your own business you put your dedication, passion, and dreams into work
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 can 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 could help pay for replacements.**Accidents that hurt someone
A customer slips and falls in your restaurant’s parking lot. Your restaurant general liability coverage could 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 can 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 home, will my homeowner's 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. ERGO NEXT helps you cover what your homeowner insurance doesn’t.
What do I need to get an insurance quote online?
It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.
How do you file an insurance claim with ERGO NEXT?
If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.











