From food trucks to fine dining.
A customer slips on a wet floor. A grease fire tears through the kitchen. A foodborne-illness outbreak forces a shutdown. These happen every week in CA, TX, FL, and AZ — and every one of them maps to a coverage type we write.
The risks restaurants face.
Restaurants operate in one of the most claim-heavy industries. Slip-and-fall lawsuits from customers are the most common claim — and the most expensive. Kitchen fires from grease, electrical faults, or gas leaks can destroy equipment and force months of closure.
Food contamination claims trigger health department shutdowns and costly litigation. Employee burns, cuts, and repetitive strain injuries drive Workers' Comp costs higher than almost any other industry. We've seen all of it — and the policy structures that pay out cleanly versus the ones that fight every claim.
What's typically included.
- General Liability — slip-and-fall, third-party injury, advertising injury
- Property Insurance — building, contents, kitchen equipment, inventory
- Business Owners Policy (BOP) — bundles GL + property + business interruption
- Workers' Compensation — burns, cuts, lifting injuries, ergonomic claims
- Liquor Liability — required if you serve alcohol, often by license
- Food Contamination — recall costs, lost income from health-department closure
- Business Interruption — lost revenue when you can't operate
Coverage for every restaurant type.
- Food trucks. Commercial auto, general liability, and equipment coverage that travels with you.
- Fast casual. High-volume operations need strong workers' comp and property coverage.
- Fine dining. Higher property limits for interiors, wine collections, and specialty equipment.
- Catering. Off-premises liability, hired auto, and event-specific certificates.
- Ghost kitchens. Property, liability, workers' comp, and delivery-focused auto coverage.
- Bars & nightclubs. Elevated liquor liability limits and assault & battery coverage.
Growing your restaurant?
Opening a second location, adding catering, or launching delivery all create new exposures your original policy was never designed to cover. We build programs that grow with your business — adding locations with multi-location discounts, endorsing for off-premises catering, and delivering COIs within 24 hours so lease negotiations and vendor requirements never stall your momentum.
Preguntas antes de cotizar.
At minimum: General Liability, Property, and Workers' Comp. Often also Liquor Liability, Food Contamination, Business Interruption, and Commercial Auto. A BOP bundles several of these into one cost-effective package.
Get the right
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Tell us how the restaurant runs and we'll quote a policy from carriers that actually understand food service. Bilingual EN/ES, same-day COIs.