BusinessRestaurants
Business insurance
Restaurant insurance
Liability, property, liquor, spoilage, and employees for cafés, bars, and restaurants.
In plainEnglish
Restaurants combine every common risk: foot traffic, fire, employees, alcohol, and delivery. A restaurant package brings them together with the coverages other packages leave out, like spoilage and liquor liability.
Covers
- General liability
- Property and equipment
- Liquor liability
- Spoilage and equipment breakdown
- Workers’ compensation
Doesn’t cover
- Delivery drivers’ personal cars without hired/non-owned
- Food-borne illness in some forms without endorsement
Who needs it
- Restaurants, bars, cafés, and food trucks
- Caterers and commissary kitchens
Related
Nextstep
Ready to see restaurants options?
A few questions, your ZIP, and we’ll show you which market fits before you give us a phone number.