Restaurant Insurance

Restaurants are exposed to a wide range of risks that make them vulnerable to lawsuits and other liabilities. Kitchens can be dangerous, food can go bad and large numbers of people frequenting restaurants are obvious risk factors. Restaurant insurance protects against these types of risks and helps prevent financial situations that are impossible to overcome.

Protect yourself and your livelihood through the Progressive Advantage® Business Program. Our team of experts can help you find dependable coverage so you can concentrate on what matters most – your food and customers.

Who needs it?

Businesses that cook and serve food should have adequate restaurant insurance. Business types can include:

  • Bars & taverns
  • Cafés
  • Coffee shops
  • Diners
  • Delis
  • Food delivery services
  • Fast food franchises
  • Lounges
  • Pizzerias
  • Sandwich shops

What does it cost?

Each restaurant has unique qualities that exposes it to different types of risk. For this reason, insurance cost varies from business to business. Common factors that influence your rate include the kinds of food you sell, your cooking methods, your building and employees.

For example, a small coffee shop with limited cooking equipment can expect its insurance cost to differ from a large tavern with a bar and full-sized industrial kitchen with fryers and ovens.

Start a quote online for a custom rate that best matches your restaurant, or call us today.

Basic insurance for restaurants:

Business Owners Policy (BOP)

A BOP packages commercial property and liability coverage into one policy. This is a common insurance policy for restaurants.

Workers’ Compensation

Workers’ comp protects if your employees become injured or ill while at work.

General Liability

This fundamental coverage protects restaurants against lawsuits and other financial liabilities resulting from accidents or other mishaps. It includes things like food illness and customer slips and falls.

Other coverages restaurants might need:

Commercial Auto

A commercial auto policy is typically needed if you use a vehicle for deliveries or other business purposes.

Get your custom quote today

We’ve made it easy for you to shop for all your restaurant insurance in one place. Simply call us to speak with a licensed agent who can help you choose the coverages and amounts of protection you need.

More information

Man sits at desk and calls to get a quote for insurance for restaurants

Start a customized quote and protect your restaurant today

Get a quoteOr, call 1-888-806-9598