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Business Insurance Policies for Restaurant Owners

A robust blend of coverage. At affordable rates.

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You bring together ingredients, skill, passion, and flair in a way that turns food into an expression of love and art. But that may not extend to knowing what coverage you might want to consider for your restaurant.

We’re Simply Business. We’ll be taking care of you.

That’s where we come in. We’re insurance pros and small business champions. We can help you determine the coverage you may need, find affordable policies from leading insurers, and present you with choices that are easy to understand and even easier to put in place.


Business Owners Insurance. A staple you’ll likely want to consider.

From sourcing suppliers to managing staff to pleasing customers, you’ve got a lot to handle. It can be easy to overlook insurance. It also can be risky for your business. A business owners policy (BOP), can make a lot of sense for a restaurant owner.

A business owner's policy typically combines different coverages, such as property and liability insurance, into a single policy. Just like different cooking utensils can help you create all kinds of dishes, each type of 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 in time. A business owners policy that includes general liability insurance may help cover medical costs and other related claims (up to your policy limits).
  • You arrive at the restaurant in the morning and notice that the door lock has been damaged by vandals and needs to be replaced. With lock replacement coverage, which may be available as an add-on, the cost of repairing the damage likely doesn’t have to come out of your pocket.
  • You open up the restaurant in the morning to find the refrigerator stopped working. All the food in the refrigerator has spoiled and is unusable. Spoilage coverage as part of your BOP insurance can help take care of replacing the food.

Without BOP coverage, you could be financially responsible for claims or damages that arise from any one of those events. And that could spell disaster for your restaurant.

The proof is in the Yorkshire, Saxon, and Blancmange pudding.

Trust and good reviews matter in the restaurant business. The same is true with insurance. Here are a few things we're proud of at Simply Business.

  • More than 50,000 U.S. customers
  • 4.7/5.0 rating from
  • Live support from U.S.-based call center
  • Licensed agents with small business expertise

The House Specialty.

Just like your signature dishes, your insurance coverage is unique to your restaurant. That’s why we work with leading insurers to find policies and compare prices. Then we let you choose the insurance solution options best for your restaurant and your budget.

You can even choose to pay all at once or with convenient, monthly installments.


A restaurant business moves efficiently - so do we.

We do what we do quickly. Spend 10 minutes online or on the phone and we’ll put together your quote. Then all you do is choose the one you like the best — just like a menu.

Keeping it fresh.

Just like your specials may change with seasonal ingredients or new inspiration, we know your insurance needs can change as well. That’s why we’re here after the sale to answer any questions you may have and advise as needed. We work with a variety of insurance providers and present you with options. That way, you control how your BOP insurance is put together — the same way you control how your signature dishes are put together.

Let’s get started.

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*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated insurance carrier by AM Best. Harborway Insurance is a brand name of Harborway Insurance Agency, LLC, a licensed insurance producer in all 50 states and the District of Columbia. California license #6004217.

© Copyright 2023 Simply Business. All Rights Reserved. Simply Business, LLC is a licensed insurance producer in all U.S. States and the District of Columbia. Simply Business has its registered office at Simply Business, 1 Beacon Street, 15th Floor, Boston, MA, 02108. In California, we operate under the name Simply Business Insurance Agency, LLC, License #0M20593. In Colorado, we operate under the name Simply Business, LLC DBA Simply Business Insurance Agency. In New York, we operate under the name Simply Business Insurance Agency. In Pennsylvania, we operate under the name Simply Business Insurance Agency, LLC. In Texas, we operate under the name, U.S. Simply Business, LLC. For more information, please refer to our Privacy Policy and Terms & Conditions.