Insurance built for restaurants and cafés.
From fast-casual to fine dining, cover foodborne-illness claims, kitchen fires, liquor liability, and your team — with a policy built for the pace of hospitality.
Customer rating and 50K+ policies sold
Why restaurants need insurance
Kitchen fires, slip-and-falls, spoiled inventory, and liquor claims are everyday risks in food service. The right coverage keeps you serving through them.
Lenders, landlords, and clients often require proof of coverage before doing business with you.
Employee accidents and injuries on the job. Workers' comp is required in most states.
Lost, stolen, or damaged property or inventory. Property coverage helps you recover.
Reputational damage and customer lawsuits can be devastating. Legal defense alone costs thousands.
Unexpected closures and lost income can drain reserves fast. Coverage keeps revenue flowing.
Cyber, management liability, professional errors, and 40+ coverage types for whatever you face.
Requirements
Lenders, landlords, and clients often require proof of coverage before doing business with you.
Accidents
Employee accidents and injuries on the job. Workers' comp is required in most states.
Loss
Lost, stolen, or damaged property or inventory. Property coverage helps you recover.
Lawsuits
Reputational damage and customer lawsuits can be devastating. Legal defense alone costs thousands.
Interruption
Unexpected closures and lost income can drain reserves fast. Coverage keeps revenue flowing.
And more...
Cyber, management liability, professional errors, and 40+ coverage types for whatever you face.
Coverage for restaurants.
Everything a food-and-beverage business needs — liability, property, liquor, and workers' comp — bundled and ready when the landlord or health inspector asks.
General Liability
The everyday coverage nearly every small business needs.
Bodily Injury
Covers medical, legal, and damage costs when someone other than you or an employee is injured and your business is responsible.
Third-Party Property Damage
Covers damage your business or an employee causes to someone else's property.
Advertising & Reputational Injury
Covers claims like copyright infringement, libel, or slander tied to your marketing.
Product Liability
Covers legal and medical costs if a product you make or sell harms someone or their property.
The everyday coverage nearly every small business needs.
Bodily Injury
Covers medical, legal, and damage costs when someone other than you or an employee is injured and your business is responsible.
Third-Party Property Damage
Covers damage your business or an employee causes to someone else's property.
Advertising & Reputational Injury
Covers claims like copyright infringement, libel, or slander tied to your marketing.
Product Liability
Covers legal and medical costs if a product you make or sell harms someone or their property.
General liability and property coverage bundled, usually for less than buying them apart.
General Liability
Covers third-party claims for bodily injury, property damage, and personal injury.
Commercial Property
Protects your building, equipment, and inventory against fire, theft, and weather damage.
Business Interruption
Replaces lost income when a covered event forces you to temporarily close.
Equipment Breakdown
Covers repair or replacement when essential equipment fails unexpectedly.
Required in nearly every state the moment you hire.
Medical Expenses
Covers the cost of treating work-related injuries and illnesses for your employees.
Lost Wages
Provides a portion of an injured employee's wages while they're unable to work.
Disability Benefits
Pays long-term benefits for employees who can no longer work due to a work-related injury.
Employer Liability
Protects you if an employee sues over a workplace injury not covered by workers' comp.
Coverage for the vehicles your business owns or uses.
Third-Party Injury & Damage
Covers injuries or property damage your business vehicle causes to others.
Physical Damage
Covers repairs to your vehicle after a collision, theft, or weather event.
Medical Payments
Covers medical costs for you and your passengers after an accident.
Uninsured Motorist
Protects you when an at-fault driver has no insurance or too little.
Protection when your work or advice is called into question.
Errors & Omissions
Covers claims that your work, advice, or services caused a client financial harm.
Defense Costs
Pays legal fees to defend you even if the claims against you are groundless.
Settlements & Judgments
Covers court-awarded damages or negotiated settlements up to your policy limit.
Negligence Claims
Protects against claims that you failed to perform your professional duties adequately.
Protection when your data or systems are compromised.
Data Breach Response
Covers notification costs, credit monitoring, and crisis management after a breach.
Ransomware & Extortion
Pays ransom demands and remediation costs from ransomware attacks.
Business Interruption
Replaces income lost when a cyber attack forces your operations to stop.
Legal & Regulatory Defense
Covers attorney fees and fines stemming from data protection law violations.
We cover a lot more than the basics.
Explore the rest of the coverages we offer for small businesses.
Policies Sold
Top Rate Insurers
Industries Covered
Trusted by 40+ leading carriers
What restaurant insurance costs
Your rate depends on your cuisine, seating, alcohol sales, and payroll. Here's a ballpark, then quote your exact rate in minutes.
- Your industry & profession
- Business size & annual revenue
- Coverage types & limits
- Claims history & location
$25 /month
Your price depends on your business. Get a quote for your exact rate.
Restaurant insurance, answered
If you serve or sell alcohol, liquor liability protects you if an intoxicated patron causes injury or damage. Many landlords and states require it, and we can add it to your policy.
General liability typically responds to third-party claims of foodborne illness, including legal defense. We'll make sure your limits fit the volume you serve.
Commercial property (or a BOP) covers your kitchen equipment, fixtures, and contents against fire and other perils, so you can rebuild and reopen faster.
Four main things: your industry, your revenue and payroll, your number of employees, and your location. Higher-risk work costs more to insure, so a contractor on job sites will pay differently than a consultant working from a laptop. Because Coverdash compares 40+ insurers, you see competitive options side by side.
General liability is one of the most affordable policies, often starting at around $[X] per month for a small business. Your exact rate depends on your industry, size, and coverage limits. It's also available bundled into a Business Owner's Policy, which can lower your total cost.
Yes. Bundling policies like a Business Owner's Policy, choosing coverage limits that match your actual risk, maintaining a safe claims history, and paying annually can all reduce your premium. Comparing carriers matters too, which is exactly what Coverdash does for you.
Both options are available. Monthly payments spread the cost out and are easier on cash flow, while paying annually often comes with a small discount. You can choose what works best for your business at checkout.
Some coverage is. Most states require workers' compensation once you have employees, and commercial auto is required for business vehicles. Others, like general liability, are often required by landlords, lenders, or clients before they'll work with you, even when the law doesn't mandate them.
“Outstanding experience all around. They were thoughtful, efficient, and delivered exactly what I needed for my company’s insurance and no upselling, just straightforward guidance. Would absolutely work with him again.”
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