Restaurant Insurance
Request a Quote Call (916) 967-7715
Quick answer: Restaurant insurance usually combines commercial property (including spoilage coverage), general liability for slips, falls and other customer injuries, and business income coverage for income lost after a covered loss. Many restaurants add liquor liability if they serve alcohol, workers’ compensation for employees, and employment practices liability, crime and hired and non-owned auto coverage.
Whether you own a fine dining restaurant, franchise, fast food, cafeteria, or other eateries, having the right restaurant insurance policy can help you reduce losses that could impact your business. While essential coverages such as commercial property insurance, general liability and business income are available to you, there are a variety of other options available to choose from to craft the right protection policy for you.
We work with a variety of insurance carriers to provide quick, accurate, and comprehensive restaurant insurance quotes. We help protect your employees and your customers with property insurance that includes spoilage coverage; general liability insurance that protects in the event of slips, falls, and more; and business income coverage to protect against a loss of income.
Lions & Coventry Insurance Services offers protection for your business in the following areas:
- Building and Business Property Damage and Loss
- Commercial Liability
- Employment Practice Liability
- Liquor Liability
- Lost Business Income
- Loss of Records
- Extraordinary Expenses
- Money and Securities
- Food Safety
- Crime
- Worker’s Compensation
- Employee Benefits
- Hired Non-Owned Auto Insurance
Our agents are happy to review these coverages with you to determine which ones are necessary for your restaurant.
Just like a local restaurant needs to cater to a communities tastes, Lions & Coventry Insurance Services is in tune with what our clients are looking for. If you’re looking for restaurant insurance that leaves you satisfied, contact an agent or request a quote today.
If you serve food from a mobile kitchen, see our page on food truck insurance.
Talk to a licensed producer: call (916) 967-7715 or request a quote online. Lions & Coventry Insurance Services, Est. 2009, CA Lic. #0G22084.
Restaurant insurance FAQ
What does restaurant insurance cover?
Most restaurant programs combine property insurance for your building, equipment and contents (often with spoilage coverage), general liability for slips, falls and other injuries to customers, and business income coverage to help replace lost income after a covered loss. Options such as liquor liability, employment practices liability, crime, workers’ compensation and hired and non-owned auto coverage can be added to fit your operation.
Do I need liquor liability insurance if I serve alcohol?
Usually, yes. General liability policies commonly exclude liability for businesses that sell or serve alcohol, so restaurants that serve beer, wine or spirits generally need separate liquor liability insurance. Landlords and event clients may also ask for proof of it.
Does restaurant insurance cover food spoilage?
Spoilage coverage can be included with your property insurance to help pay for food that spoils after a covered event, such as a covered equipment breakdown or power interruption, depending on the policy terms and limits.
What information do I need for a restaurant insurance quote?
Have your business name and locations, the type of restaurant and your hours, seating capacity, annual sales and the share that comes from alcohol, whether you offer delivery or catering, building details if you own or lease the space, payroll and number of employees, any lease insurance requirements, and your prior claims history.
What drives the price of restaurant insurance, and how do I get a quote?
Price depends on your type of restaurant, your location, building and equipment values, annual sales, alcohol sales, payroll, the limits you need, and your claims history, so we do not publish rates. Call (916) 967-7715 or send your details through our contact page, and a licensed producer will review your business and shop the coverage with carriers that write restaurants.
Related coverage: Liquor liability insurance · Food truck insurance · Commercial property insurance · Workers’ compensation · Contact us
Brokerage guidance, not legal advice. Coverage depends on the policy form, underwriting and carrier availability.