RESTAURANT INSURANCE

Tailored coverage for new and existing restaurants.

Choose your primary coverage to get started:

Business Owner’s Policy

Business Owner's Policy

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Workers’ Compensation insurance

Workers' Compensation

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General Liability Insurance

General Liability

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Liquor Liability

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Other Coverages

Other Coverages

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Restaurant insurance that caters to you

Restaurant insurance that caters to you

Any number of things can go wrong when you work in the restaurant industry.

Your commercial restaurant business insurance can help you save money when things break, someone gets hurt or you’re faced with a lawsuit.

NEXT insurance helps protect more than 500,000 small businesses and over 10,000 restaurants. We make it fast, easy and affordable to protect your business with the insurance you need.

Restaurant insurance can help protect you from:

Theft

Theft

Burglary means that expensive equipment and inventory needs to be replaced – fast.
Injury or illness liability

Injury or illness liability

A customer files a lawsuit or asks for medical payments to cover an injury or claims of food poisoning.
Property damage and vandalism

Property damage and vandalism

A kitchen fire, water damage or power outage can damage equipment and inventory.
Liquor Liability

Liquor Liability

If an intoxicated customer breaks something or causes an injury you could be held liable.

How NEXT helps restaurant businesses

Today’s special: Restaurant business insurance coverage without the hassle
We know what coverage options you need to help protect your small business and workers. Restaurant owners often consider these types of business insurance.
General Liability insurance

General Liability insurance

For slip-and-fall injuries and damage to property you don’t own
95% of small business owners purchase general liability. Restaurant liability insurance can provide financial help for many of the top risks for restaurant:

general liability can help you pay for:

Medical payments
Damage to property you don’t own
Legal fees and judgments
Employment practices liability
Workers' Compensation insurance

Workers' Compensation insurance

Often required if you have employees
Workers’ compensation insurance can help pay for medical expenses and lost wages after a workplace injury — and it’s often required if you have employees.

workers compensation can help you pay for:

Medical expenses
Lost wages
Employer liability
Business Owner’s Policy (BOP)

Business Owner’s Policy (BOP)

Financial help after customer injuries and property damage
A business owner’s policy includes liability coverage from commercial general liability and commercial property insurance to help protect you and your business from losses related to:

business owners policy can help you pay for:

Customer injuries (a.k.a bodily injury)
Property damage
Food contamination
Business income interruption
Equipment breakdown coverage
Liquor Liability insurance

Liquor Liability insurance

You could be liable for alcohol consumption at your business
If you serve alcohol, you could be held responsible if a guest injures themselves, someone else or causes property damage.

liquor liability can help you pay for:

Injuries
Property damage
Legal fees and medical payments

10,000 restaurant owners trust NEXT

Simple process
Love my new insurance company. The process to get started is very simple. This insurance is the most affordable I've had in the last 4 years!
Adrian S.
Great insurance
I have not seen any insurance this simple. They make it easy. They have whatever coverage you need.
Idris H.
NEXT Insurance for small businesses
This place is awesome and very affordable. Without NEXT I'd be paying an arm and a leg somewhere else. NEXT, THANK YOU so very very much.
Jonathan W.

You can save up to 25% in discounts on restaurant insurance*

Flexible billing plans to keep your cash flow healthy (even if your menu isn't!).

Basic
Lowest Price
General Liability
Per occurrence
$500,000
Professional Liability (E&O)
Per occurrence
$250,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
General Liability
Per occurrence
$1 million
Professional Liability (E&O)
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
General Liability
Per occurrence
$1 million
Professional Liability (E&O)
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
How much does restaurant insurance cost?

How much does restaurant insurance cost?

Your commercial restaurant insurance costs (a.k.a. premiums) can vary based on a number of factors, including:

  • The type of restaurant (fine dining, casual, fast food, ghost kitchen etc.).
  • Your restaurant location.
  • Your payroll and what your employees do.

Get a free restaurant insurance quote. You’ll know exactly what your business will pay in under 5 minutes, and you can make a purchase 24/7.

What business insurance is required for restaurants?

What business insurance is required for restaurants?

Food and beverage industry insurance requirements vary by state law and different situations. Insurance for your restaurant business may be necessary to:

  • Serve customers. Property owners and local governments might want you to have insurance like general liability or workers’ compensation.
  • Hire employees. Many states require workers’ compensation if you have employees.
  • Deliver, pick-up or drive for business. Business-owned vehicles typically need commercial auto insurance.
  • Repair or replace property you own or rent. Protect your inventory, equipment and the building that you lease or own.
Resources to help your restaurant business grow

Resources to help your restaurant business grow

Insurance is just a small part of running a food and beverage business. Visit the NEXT Restaurant Success Center to learn about:

Frequently asked questions about business insurance

Here are some of the most common questions we get about restaurant business insurance coverage. 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.

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 can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with NEXT. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current NEXT Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance.

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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* 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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© 2024 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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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.