Insurance for Restaurants and Bars
Hot oil, sharp knives, crowded floors and alcohol sales. Tell us how your place runs and a licensed agent or partner may contact you.
- Liquor liability for beer, wine or a full bar
- Kitchen fire, equipment and spoilage
- Workers comp for cooks, servers and dishwashers
Restaurant insurance request
Dining room, kitchen and staff. Free to ask.
Coverage
The risks a restaurant carries
Three areas account for many of the questions restaurant owners ask.
How it works
How a restaurant request works
Describe your place
Type, alcohol sales, staff and cooking.
Talk with an agent
A licensed agent or partner may follow up with questions.
Compare coverage
Limits, exclusions, spoilage and liquor terms.
Why it matters
A general policy may leave out alcohol
Many general liability policies exclude or limit claims arising from serving alcohol when the business sells it. Restaurants that serve drinks usually need liquor liability written separately or added by endorsement.
Kitchen fires
Hoods, suppression and fryers.
Liquor sales
Dram shop exposure.
Staff injuries
Burns, cuts and slips.
Lost income
Closures after covered damage.
Guides
Restaurant guides
Restaurant insurance questions
Are you an insurance company?
No. BuyRestaurantInsurance forwards requests to licensed agents and partners. It does not issue policies.
Is the request free?
Yes, owners are not charged anything to request quotes.
Who will contact me?
An agent or partner licensed for restaurant accounts may call, text or email you, according to your consent.
Can a new restaurant get coverage?
Yes, often before opening. See our guide on insuring a restaurant before opening.
Do you help with catering businesses?
Describe your operation on the form. Off-site catering has its own risks.
Running a dining room, a kitchen and a team?
Tell us how your restaurant operates. A licensed agent or partner may contact you about coverage for it.