About this service
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.
Are food trucks included?
This site focuses on fixed-location restaurants and bars.
Does my policy cover a power outage that spoils food?
Only if you have spoilage coverage that includes off-premises power failure. Ask how the policy treats outages caused by the utility.
What if I have had a kitchen fire before?
Include it. Insurers will ask, and they will want to know what changed afterward.
How do I stop messages?
Text STOP, tell the caller, or use the privacy page form to end contact.
Coverage questions
Do third-party delivery apps cover my restaurant?
App platforms set their own insurance terms for their drivers. They generally do not replace your restaurant's own policies.
Do I need liquor liability for BYOB?
Possibly. Even if you do not sell alcohol, allowing it on the premises can create exposure. Ask whether your general liability covers it.
Does property insurance cover a grease fire?
Fire is generally a covered cause of loss, but policies may have conditions about maintaining suppression systems. Read them.
Do owners need workers comp for themselves?
It depends on the state and the business structure. Some owners can opt out, others must be covered.