Next Insurance

Restaurant Success Center

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

Restaurant Resource Center

Tools & Tips

Health inspection checklist for restaurant owners
Health inspection checklist

Download our checklist to make sure your business is always ready for a health inspection.

Restaurant nightly closing checklist
Restaurant nightly closing checklist

Make sure your restaurant is clean and ready for business — and avoid preventable insurance claims.

Restaurant startup cost worksheet
Restaurant startup cost guide

We outline startup costs so you don't get surprised or stuck.

Opening

How to write a restaurant business plan
How to write a business plan — and why you need one

A solid business plan is going to do two helpful things for you: spell out your goals and build confidence in your investors or partners.

Types of restaurant insurance
Types of restaurant insurance

Learn about the different types of restaurant insurance and how they might help your business avoid financial losses.

List of restaurant licenses & permits
Your go-to list of necessary licenses & permits for restaurants

Starting a restaurant? Find out in this NEXT guide what restaurant licenses and permits you'll need before you open your own food business.

Growing

How to ace your restaurant health inspection
How to ace your next health inspection

Don't let a restaurant health inspection stress you out. Gain confidence by reading NEXT's helpful tips for passing your inspection.

Key digital tools for running restaurants
Why digital tools are critical to running your restaurant

NEXT looks at the digital tools that are the key to running your restaurant, including restaurant management software, POS and accounting.

Download our free restaurant safety posters
FREE safety posters for your business

Download these and hang in your kitchen or work area to keep your employees and customers safe.

Improving

How to avoid common restaurant claims
5 common restaurant claims and how to avoid them

Learn about the most common restaurant insurance claims and what you can do to avoid them.

How to handle bad restaurant reviews
How to handle bad restaurant reviews like a pro

An online review can make or break your business; we show you how to be prepared for whatever is posted.

Why landlords require commercial lease insurance for restaurants
Why landlords require you to have commercial lease insurance

Landlords often require tenants to have commercial renters insurance when they sign a lease — but why?

Tailored to your business

When you run your own business you put your dedication, passion, and dreams into work

Restaurant, Catering, Bakery, Coffee Shop, Food Cart, Grocery Store

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.
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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.