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Who Needs Business Insurance for Restaurants?

Business insurance is important to restaurant owners. Risks like slip-and-fall injuries or spoiled food can lead to lawsuits, so you need a general liability policy. Equipment damage and resulting business disruption is a risk, so a business owner’s policy, which includes general liability, is recommended. That policy also covers fires caused by your kitchen equipment and can include coverage for spoilage caused by mechanical failures.


Any Business That Cooks and Serves Food Needs Business Insurance, Including:

  • Bars and taverns
  • Coffee shops and cafés
  • Diners
  • Delis
  • Food delivery services
  • Fast-food franchises
  • Lounges
  • Pizzerias
  • Sandwich shops


How Much Does a Restaurant Business Owner’s Policy Cost?

A Business Owners Policy bundles the most common policies together for significant cost savings. This type of insurance coverage may include general liability, business interruption, and commercial property insurance. Pricing is based on location, the value of covered property and equipment, and other factors.

Typical restaurant insurance costs for a business owner’s policy are:

  • Average: $180 per month, or $2,160 annually.
  • Range: Most policies are between $1100 and $10,500 each year.

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