Restaurant Insurance

Restaurant insurance typically covers property damage, general liability, employee injuries, food spoilage, and business interruptions. Depending on your needs, you can also add liquor liability, cyber protection, and workers' compensation to create a well-rounded policy.

Restaurants face high liability risks, from customer slips and falls to food-related illnesses. Liability coverage protects you from legal expenses, medical costs, and settlements if a customer files a claim against your business due to an injury or illness.

Yes, most policies offer food spoilage coverage, which reimburses you for losses due to power outages, equipment failures, or contamination. This helps prevent significant financial losses when perishable goods must be thrown away.

Business interruption insurance helps cover lost income, payroll, and expenses while your restaurant is temporarily closed for repairs. This ensures you can continue paying employees and managing financial obligations even during an unexpected shutdown.