Restaurant insurance protects food-service businesses from the wide range of risks they face every day — from kitchen fires and equipment breakdown to customer injuries and liquor liability. The right package keeps an unexpected event from closing your doors.
What Restaurant Insurance Covers
A typical restaurant package combines commercial property coverage (building, equipment, and contents), commercial general liability for customer injuries, business interruption to replace lost income after a covered closure, and often equipment breakdown, spoilage, and liquor liability where alcohol is served.
Who Needs It
Restaurants, cafés, bars, food trucks, caterers, and takeout operations all need tailored coverage. Landlords and franchisors usually require proof of liability insurance before you can operate.
How a Broker Helps
NavInsurance builds a package around your menu, premises, and whether you serve alcohol, comparing insurers that understand food service. See our commercial insurance page or request a free quote.