Restaurant Insurance

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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 Insurance (BOP)

Combines different coverages, such as property and liability insurance, into a single policy

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Workers’ Compensation Insurance

Coverage to help take care of employees who get sick or injured on the job. Many states require this for businesses with full or part-time employees.

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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:

Property damage

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.

Employee illness or injury

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.

Customer illness or injury

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.

Advertising injury

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.

How Much Does Insurance for Restaurant Cost?

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Business Owner’s Policy

A one-minute explanation

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.

So what’s on your to-do list today? That’s a lot, which is why you may need a BOP. A BOP is a Business Owner’s Policy. It typically combines different coverages like property and general liability insurance into a single policy and that can be a great option for certain businesses. With a BOP you make one purchase instead of multiple purchases to get most of the coverage you need, plus as your needs change you can typically add or drop coverages and it can often be cheaper than buying all those policies separately. So whether you put together a signature look for your clients or a signature dish for your customers, we can put together a Business Owner’s Policy that’s right for you.

Answers To More Restaurant Business Insurance Questions

How Much Does Insurance Cost for a Restaurant?

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.

What should I consider before buying restaurant insurance?

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.

Why work with Simply Business?

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.