Restaurant Insurance for Small Business Owners
If you run a trucking business, having commercial truck insurance is a must. Whether you’re new in the industry or have been around for years, the law requires certain coverages. Insurance can also protect you from costly accidents, damage to your truck, or loss of cargo.
Who Needs Restaurant Insurance?
Cafes and Coffee Shops
Fast Food Restaurants
Ice Cream Parlors
Fine Dining Establishments
Full-Service Restaurants
Caterers
Cafeterias
Pizza Places
Food Vendors
Private Chefs
Why Restaurant Insurance Matter
Running a restaurant is hard work, and even when you do everything right, accidents can still happen. Having insurance can help protect the business you’ve built, whether it’s dealing with property damage, customer issues, or employee injuries.
We offer policies designed specifically for restaurants, so you can focus on running your business without worrying about the “what ifs.”
Recommended Coverage for Small Restaurants
Many small restaurants start with a Business Owner’s Policy (BOP), which typically includes:
General Liability
Covers customer injuries or property damage
Commercial Property
Protects your building, equipment, and supplies
Business Income
Helps replace lost income if your business is forced to close temporarily
If you have employees, you’ll likely also need Workers’ Compensation Insurance, which helps cover medical costs if someone gets hurt on the job.
Protecting Your Restaurant
Unexpected events can disrupt your operations:
Fires
Thousands of restaurant fires happen every year. Property insurance can help with repairs or rebuilding.
Auto Accidents
If you or your staff make deliveries, commercial auto insurance can cover accidents that happen on the job.
Employee Injuries
Restaurants are busy places. Workers’ compensation can cover medical bills and lost wages if an employee is injured.
Employment Issues
Employment practices liability insurance offers protection if you face claims like workplace harassment.
Cover Day-to-Day Risk
Even with the best planning, things can go wrong:
Water Problems
If a water issue makes it impossible to cook or clean, coverage can help with lost income.
Liquor Liability
If a customer causes an accident after drinking at your restaurant, liquor liability insurance can help cover legal costs.