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 Owner’s 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 Owner’s 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
Over 1 million customers worldwide.
Buy instantly online.
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Why Does a Restaurant Need Insurance?
Whether you’re running a food truck or a five-star restaurant, every owner knows how much time, effort, and money it takes to make a restaurant a reality. After all that hard work, the last thing you want is to get burned by something unexpected. With tailored restaurant insurance recommendations, we’ll help you understand what it takes to protect your passion, covering everything from third-party injuries to property damage and more.
What Insurance Do I Need for a Restaurant Business?
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
From
$60.80
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Does Restaurant Insurance Cover?
From food-related illnesses to kitchen fires, as a restaurant owner, there are a lot of risks on your plate. We can help you choose the right business insurance for a restaurant to financially protect you and your employees from some of the most common claims such as these:
If a customer slips and falls on your wet floor or gets sick from eating a hamburger, you could be liable and have to pay medical bills, legal fees, and more out of your own pocket. A business owner’s policy is built in protection that includes general liability insurance that can help cover the cost of third-party accidents, bodily injury, as well as damage to someone else’s property.
One of your employees writes a negative online review about another restaurant in town. Now that restaurant is suing you for libel. They want to take you to court, claiming that the statement has hurt their reputation and business. A BOP includes general liability insurance which can cover personal or advertising injury claims, which can include claims of stolen ideas, invasion of privacy, libel, slander, and copyright infringement related to advertising.
Open flames combined with a busy Saturday night can lead to mishaps. A commercial restaurant insurance policy, like business owner’s policy insurance, includes commercial property insurance and can cover damages caused by fire, theft, or other similar events. A BOP also includes business interruption insurance which can help pay for lost income if you have to shut down while your building is being repaired.
Line cooks, wait staff, dishwashers. It takes a lot of people to run a restaurant. And with so many people working for you, that exposes you to a lot of risks. That’s why one of the most important commercial restaurant insurance policies is workers’ compensation. It’s often legally required and can protect you from costly claims as well as take care of your employees if they get sick or injured on the job. Workers’ comp insurance can help cover medical costs as well as rehab expenses, lost wages, and funeral and survivor benefits.
We also recommend workers’ comp to take care of yourself, especially because many health insurance policies won’t cover workplace injuries.
What Does Restaurant Insurance Cost
Try our insurance calculator.
Get a quick estimate in just 3 steps.
Answers To More Restaurant Business Insurance Questions
BOP insurance for restaurants bundles together different policies, so it often can be less expensive than buying individual policies separately.
As with most types of insurance, the cost of restaurant insurance will depend on a number of factors, such as:
- Your type of business
- The services you provide
- Where your business is located
- The number of employees you have
- Your estimated revenue
- And more
If you’re still unsure, getting a restaurant insurance quote or speaking with an agent could help you get a better idea of how much a business owner’s policy will cost you.
If you’re thinking of buying restaurant insurance, we want to make it easier for you.
We think it’s helpful to have an idea about your annual revenue and payroll estimates as well as information about any previous insurance before you get started.
Small business insurance is what we do. Whether it’s covering you for accidents and mistakes, meeting workers’ comp requirements, or protecting your equipment and tools, we can help find the coverage you need for your restaurant.
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.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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Our +1 million customers are big fans. And you will be too.
I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
Karen
Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
Jef
Owner of Bunker83 LLC
It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
Kim
Owner of Room to Breathe Professional Organizing
Feel confident in your choice.
We partner with a range of top-rated carriers and use smart technology to match you with policies that fit your specific business, your risks, and budget.
400+
business types covered
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customers worldwide
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*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 July–December 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.
† Limits may vary by state and nature of your business.
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