Real Risks Restaurants Face

Restaurants operate in one of the most claim-heavy industries. Slip-and-fall lawsuits from customers are the single most common claim — and one of the most expensive. Kitchen fires caused by grease, electrical faults, or gas leaks can destroy equipment and force months of closure.

Food contamination claims can trigger health department shutdowns and costly litigation. Employee burns, cuts, and repetitive strain injuries drive Workers' Comp costs higher than almost any other industry. Every one of these risks maps directly to a coverage type we provide.

Essential Coverage for Restaurants

We tailor every policy to your specific operation. A complete restaurant insurance program typically includes:

Coverage for Every Restaurant Type

No two restaurants are alike. We build custom policies for every type of food service operation:

• 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 Companies — 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? We Scale With You.

Opening a second location, adding catering, or launching delivery all create new exposures your original policy was never designed to cover. New Decade builds insurance programs that grow with your business — we add locations with multi-location discounts, endorse policies for off-premises catering, and deliver COIs within 24 hours so lease negotiations and vendor requirements never stall your momentum.

Call us at 888-585-9910 or request a free quote to protect your restaurant today.