What Types of Insurance Do I Need for My Restaurant?

December 8, 2017

Some Policies to Consider

The types of business insurance available and recommended for restaurants include: Businessowners/Package Policies include coverage for:

Property

Buildings
Contents (Business Personal Property)
Loss of Income - coverage for a property loss, lost income and extra expenses associated with the loss of use of the property.
Other Property Coverage Options include:

Cyber Liability & Data Breach Coverage - liability coverage for loss of private customer data.
Equipment Breakdown - coverage the cost to repair or replace important equipment including refrigeration units, computers etc.

Liability

Premises and Operations Liability - liability for injuries sustained at the insured’s premises and out of the operation of the business.
Products Liability - liability for illness or injuries as result of the sale of products.
Liquor Legal Liability - some packages provide coverage for common law liability imposed on restaurants that sell alcoholic beverages. If this is not provided as part of the package, it can generally be purchased as a separate policy.
Other Liability Coverage Options include:

Employment Practices Liability - Protection for lawsuits due to discrimination against employees including wrongful termination, harassment, etc.
Hired & Non-Owned Auto Liability - coverage for an employee using their own vehicle in the course of your business. Important for restaurants that may deliver orders.

Workers Compensation - provides protection for the business from liability or lost wages resulting from employees becoming injured while on the job. Workers Compensation is required in most states if you have employees. Business Auto Insurance - provides auto liability and physical damage coverage for vehicles owned by the business. See Hired & Non-Owned Auto Liability above. Those are some of the type of business insurance that a restaurant owner should consider. The best way to learn of specific options for your business insurance needs available in your location is to contact a knowledgable Independent Insurance Agent. A local Independent Agent will have access to multiple companies that can insure your business. They can help you find the best company and program for your particular restaurant. Trusted Choice has a great tool for finding an Independent Insurance Agency that sells Commercial Insurance here.

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Auto Rates and Finger Prints: Both are Unique to You!

By Jeff Ryan • April 7, 2026

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