Best Restaurant Insurance Coverage in 2025
Find quotes for restaurant insurance covering liquor liability, workers comp, and commercial kitchen
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Frequently Asked Questions
What insurance do restaurants need?
Restaurants typically need general liability, workers compensation, commercial property, business interruption, liquor liability (if serving alcohol), cyber liability for POS systems, and employment practices liability. Many also need commercial auto for delivery vehicles.
How much does restaurant insurance cost?
Restaurant insurance typically costs $3,000-$8,000 annually for small establishments. Fast-casual restaurants often pay less while full-service restaurants with bars pay more. Workers comp is usually the largest expense due to high injury rates in food service.
What is liquor liability insurance?
Liquor liability covers claims when intoxicated customers cause accidents after leaving your establishment. If you serve alcohol to someone who later injures others, you could be held liable. This coverage is separate from general liability and often required by law for businesses serving alcohol.
Does restaurant insurance cover food poisoning claims?
Yes, restaurant general liability typically covers foodborne illness claims. However, coverage may be limited, so review policy limits and exclusions. Some insurers offer specialized food contamination coverage with higher limits and broader protection for reputation damage.
Do I need special coverage for delivery drivers?
If employees use company vehicles for delivery, you need commercial auto insurance. If drivers use personal vehicles, make sure they have proper coverage and consider non-owned auto liability to protect your business. Many delivery services now provide coverage for their drivers.