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insurance
Let us help you find the right insurance coverage for your restaurant.
Or call 844-925-1272 for a quote
Your restaurant is your livelihood. Protect it.
You've worked hard to build your business. We'll work hard to find you a customized insurance solution to protect it from the unexpected. At Liberty Mutual, we partner with independent agents to provide you the same quality products and service you give your own customers.
Get customized insurance for your...
- Bistro
- Cafe' or coffee shop
- Diner
- Indian restaurant
- Mexican restaurant
- Pizzeria
- Steakhouse
- Burger restaurant
- Deli
- Ice cream shop
- Juice bar
- Pancake house
- Sandwich shop
These are just a handful of the types of restaurants we work with. Our industry expertise allows us to offer coverage to a wide range of restaurant, food service, and catering businesses.
What kinds of insurance do restaurants need?
The restaurant industry encompasses a rich variety of foods and service models. When it comes to commercial insurance, the essential ingredients for most restaurants are commercial property insurance and general liability insurance. Speak with an independent agent to make sure you get all the coverage you need.
Why choose Liberty Mutual to protect your restaurant?
Why work with independent insurance agents
What does restaurant insurance cover?
With common small business insurance coverages like commercial property, general liability, commercial auto, and workers compensation, you'll have protection from risks like
- Liability for illnesses and injuries sustained by customers
- Property damage from kitchen fires
- Loss of perishable inventory from failing equipment like freezers and refrigerators
- Lost revenue from unexpected restaurant closures from a covered loss
- Motor vehicle accidents involving restaurant-owned or leased vehicle
Restaurant insurance frequently asked questions
The cost of insurance for a restaurant business depends on various factors, including
- The value of physical assets like the building and kitchen equipment
- The total square footage of your restaurant
- Your total gross sales
- The number of employees you have
- Whether you serve alcohol
Keep in mind that the cheapest restaurant insurance isn't necessarily the best restaurant insurance.
Restaurants that serve alcohol can purchase liquor liability coverage, which protects them against liability for damages or injuries stemming from the intoxication of a customer they've served alcohol.
Restaurant insurance usually provides protection against liability for causing illness or injury by serving contaminated food or water.
Protect what you've worked
hard to build
hard to build
Take the first step by getting a quote now or finding an independent
agent who can help you choose the right coverage options.