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 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
$33.75
/mon*
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
/mon*
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.
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:
You’re replacing a kitchen faucet and a connection isn’t seated properly, causing water to soak an expensive rug before you can isolate the line. A general liability policy could help cover the damage and other third-party claims.
Even the most skilled plumbers can face disputes over completed work. Say you install a new shower system, but a small leak behind the wall goes unnoticed and causes hidden water damage over time. Adding a contractor’s errors and omissions endorsement to your general liability policy could help cover the cost to correct faulty work and protect you against a negligence claim.
You’ve been awarded a contract for a multi-unit plumbing installation, but the property owner requests proof the job will be finished as promised. That’s where a surety bond comes in. It’s a financial guarantee that protects your client if you can’t meet your contractual obligations. If the job isn’t finished or doesn’t meet agreed-upon standards, the bond can compensate the customer for their losses.
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.
You show up to the site one morning and find your trailer broken into — compressors, nail guns, and saws gone. Contractor’s equipment and small tools insurance, also known as inland marine insurance, can help pay to replace or repair your stolen or damaged equipment, whether it’s on the move or at a jobsite.
What Does Restaurant Insurance Cost
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Answers To More Restaurant Business Insurance Questions
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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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.
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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.