Restaurant insurance
Restaurant insurance
One application, multiple quotes.
All in one place.
Essential Protection
From
$60.80
/month*
Could help cover incidents like a customer slipping on a wet floor, or damage to your equipment from a fire.
What’s included:
Business Owners’ Policy
Coverage limits: up to $1M*
Get multiple quotes in less than 10 mins
Essential Protection
From
$60.80
/month*
Could help cover incidents like a customer slipping on a wet floor, or damage to your equipment from a fire.
What’s included:
Business Owners’ Policy
Coverage limits: up to $1M*
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Insuring 1 million small businesses worldwide.
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Do I need business insurance?
Insurance can help financially protect you from a variety of risks that could cost your business thousands. We can help find coverage for 400+ small businesses, including these:
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Find what you need in just 10 minutes online, 24/7.
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Get customized coverage options and quotes from top-rated small business insurers.
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Choose among affordable policies, many with savings up to 20% and monthly payment options.**
Feel confident about your choice
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Your one stop for the coverages restaurant owners often need
Business Owner’s Policy (BOP)
From
$60.80
/month*
General liability, property insurance, and more all in one convenient package. A BOP policy typically lets you add different types of coverage to meet the needs of your specific business.
Workers’ Comp Insurance
From
$38.91
/month*
Coverage to help take care of employees who get sick or injured on the job. Most states require this for small businesses with full or part-time employees. Can also benefit business owners without employees.
Frequently asked questions
Do I need business insurance?
Insurance can financially protect the business you’re building. Without it, you may have to pay out-of-pocket for property damage, accidents, or lawsuits. In some cases, clients may require that you have insurance before hiring you. Some coverages, such as workers compensation, may be legally required in your state.
What determines the cost of BOP insurance?
Since BOP insurance bundles together different policies, it often can be less expensive than buying all those policies separately. As with most types of insurance, your cost will depend on a number of factors, such as your type of business, the services you provide, and where your business is located.
Some other factors can include the number of employees you have and your estimated revenue.
We can help find BOP insurance quotes for your business right here.
How does a general liability policy compare to a business owner’s policy?
A general liability policy may be required if you’re leasing or renting space for your restaurant, but it usually doesn’t cover the building or your business property.
A BOP typically includes general liability insurance, along with commercial property and business interruption insurance.
Why work with Simply Business?
We provide customized coverage options and quotes from top-rated small business insurers – all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.
Highly rated carriers. Handpicked for small businesses.
*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between January–June 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
**20% savings calculation based on comparison savings on General Liability policies. Actual savings may vary based on the nature of your business, its location, and insurance provider appetite. Savings percentage is calculated using the average price difference of quotes from the Simply Business panel of insurance providers. Monthly payment options dependent on carrier availability.