Restaurant Insurance
A Robust Blend of Simplicity, Flexibility, and Value. Get a Restaurant Insurance Quote Today.*
Insuring over 1 million small business owners worldwide.
This block is configured using JavaScript. A preview is not available in the editor.
Why Do You Need Restaurant Insurance?
You bring together ingredients, skill, passion, and flair in a way that turns food into an expression of love and art. We can help you protect your passion with curated business insurance recommendations to financially safeguard your restaurant from third-party injuries, property damage, and more.
What to Consider When Looking for The Best Small Business Insurance
Looking for the best coverage fit for your small business? Simply Business can help. Our free quote comparison tool matches you with policy options based on your business’s needs.
If you’ve never purchased business insurance before it can come with a lot of questions. Not to worry helping small business owners get insured is what we’re all about. Online or on the phone, we can quickly find out what your business needs and in just seconds some pretty cool technology can shop around for quotes from multiple insurers you just choose the policy that fits your business and your budget. We’ve done this for thousands of business owners like you, so before you know it your questions are answered and you my friend are insured. You’re welcome.
What Insurance Do I Need for a Restaurant Business?
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.
Business Owner’s Policy Insurance (BOP)
Combines different coverages, such as property and liability insurance, into a single policy
Why Choose Simply Business?
We’re fast and affordable
Get free cleaning business insurance quotes in under 10 minutes, because who wants to spend hours learning about insurance?
We’re human
Insurance can be complicated. But whether you’re browsing our site or talking to one of our agents, you’ll quickly discover that we’re pretty down-to-earth about insurance.
We get your business
Forget one-size-fits-all insurance. Get the protection your cleaning business needs, when you need it the most.
Answers to More Restaurant 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 all those 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 quote or speaking with an agent could help you get a better idea of how much a business owner’s policy will cost you.
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.
Feel confident about your choice
This block is configured using JavaScript. A preview is not available in the editor.
Search
Find what you need in just 10 minutes online, 24/7.
Compare
Get customized coverage options and quotes from top-rated small business insurers.
Save
Choose among affordable policies, many with savings up to 20% and monthly payment options.*
Relax
Download, manage, and share your certificate of insurance online, 24/7. Conveniently store a copy on your mobile device.
More Helpful Information for Restaurant Business Owners
10-minute read
How to Open a Restaurant
21-minute read
Starting a Food Truck Business: Your Ultimate Guide
12-minute read
Simple Ideas to Market Your Restaurant
Highly rated carriers. Handpicked for small businesses.
Business Owners Insurance. A staple you’ll likely want to consider.
Just like different cooking utensils can help you create all kinds of dishes, each type of restaurant insurance coverage can help protect you from different types of claims.
Here are some examples:
- A customer gets up to use the restroom and slips and falls from a spilled drink on the floor that wasn’t cleaned up. A business owner’s restaurant insurance policy that includes general liability insurance may help cover medical costs and other related claims (up to the policy limits).
- One morning, you arrive at the restaurant and find that the door lock has been damaged by vandals and must be replaced. With lock replacement coverage — which may be available as an add-on — the cost of replacing the damaged lock likely won’t have to come out of your pocket.
- You open the restaurant in the morning to find the refrigerator has stopped working. All the food in the refrigerator has spoiled and is unusable. Spoilage coverage as an added part of BOP insurance for restaurants may help take care of the cost of replacing the food.
Without restaurant insurance coverage, you could be financially responsible for claims or damages that arise from any one of those events, which could spell disaster for your restaurant.
How to Get Commercial Restaurant Insurance Quotes
While blending with complex flavors is right up your alley, dealing with complex insurance language and requirements may not be.
We’re Simply Business. We’ll be taking care of you.
That’s where we come in. We’re insurance pros, and that includes restaurant insurance. We can help you determine what coverage you may need, find affordable policies from leading insurers, and offer you choices that are easy to understand and even easier to put into place.
We do what we do quickly. Spend a few minutes online or on the phone and we’ll put your quote together.
Insurance for Restaurant Employees
Whether it’s taking care of customers, prepping food, or turning out your daily specials, there’s a good chance you rely on your staff to make all that happen. In most states, if you have employees, you’re required to have workers’ compensation insurance.
Workers’ comp is restaurant employee insurance that can protect your business and help take care of employees who get sick or injured on the job. Consider these possibilities:
Insurance for Restaurant Employees
- One of your employees gets a nasty burn on his arm while working in the kitchen. He heads to the hospital, where he’s treated and given instructions to take several days off from work.
- Or maybe one of your part-time employees slips on a wet floor and hits her head on the floor. She’s taken to the emergency room, where she’s diagnosed with a concussion and as a result will miss two weeks of work.
In both instances, your workers’ comp insurance policy could kick in and pay your employees’ medical bills (including rehabilitation expenses if needed). It also could cover their lost wages while they’re off work recovering.
This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.