Restaurant Insurance
Protect your restaurant with innovative and customized insurance strategies, so you’re prepared when you need it most. Restaurant insurance is designed to help protect your building, equipment, staff, and liability exposure—so one unexpected incident doesn’t disrupt your operation. Whether you run a café, bar, fast-casual spot, or full-service dining, the right coverage helps you stay protected against common risks like kitchen fires, slip-and-fall claims, equipment breakdown, food spoilage, and alcohol-related exposure.
Below are common coverages restaurants choose to include. If you need coverage not listed here, don’t hesitate to reach out—we can help you build a program that fits your restaurant and budget.
Commercial Property Coverage (Building, Contents, Equipment)
Helps protect your restaurant’s physical assets—building (if owned), tenant improvements (if leased), furniture, POS systems, inventory, and kitchen equipment—after a covered loss such as fire, wind, theft, or vandalism (coverage depends on the policy).
General Liability (Customer Injury & Premises Claims)
Restaurants have constant foot traffic. General liability helps protect you if a customer is injured on-site or claims your business caused property damage—such as slip-and-fall incidents, accidents in restrooms, or injuries tied to seating areas and entrances.
Product Liability (Food & Beverage Claims)
Product liability helps protect the restaurant if customers allege illness or injury from the food or beverages you serve. This is a key part of many restaurant liability programs.
Liquor Liability (If You Serve Alcohol)
If your restaurant serves, sells, or provides alcohol, liquor liability can help protect against claims alleging alcohol-related harm—often a must-have for bars, lounges, and many full-service restaurants (requirements vary by state and license type).
Business Interruption (Lost Income After a Covered Loss)
If a covered property claim forces you to close temporarily, business interruption coverage can help replace eligible lost income and help pay continuing expenses—like rent, payroll, and loan payments—while repairs are completed.
Equipment Breakdown (Kitchen Systems & Refrigeration)
Restaurants rely on refrigerators, freezers, HVAC, electrical panels, and cooking equipment. Equipment breakdown coverage can help with covered repair or replacement costs when mechanical or electrical failure happens—reducing downtime and surprise expenses.
Food Spoilage Coverage (Refrigeration Failure Protection)
If refrigeration fails and inventory spoils, spoilage coverage can help replace eligible food losses—especially valuable for restaurants with high-volume perishables.
Worker’s Comp (Employee Injury Protection)
If you have employees, worker’s comp helps protect the business when staff are injured on the job—common exposures include burns, cuts, slips, lifting injuries, and repetitive-motion strain.
Commercial Auto / Hired & Non-Owned Auto (Delivery Exposure)
If your business delivers food, uses company vehicles, or has employees driving for errands, commercial auto or hired/non-owned auto coverage can help address auto-related liability exposure.
Crime Coverage (Theft & Employee Dishonesty)
Restaurants often handle cash and frequent transactions. Crime coverage can help protect against certain theft and fraud-related losses, including employee dishonesty scenarios.
Quick Answers People Search For:
What does restaurant insurance cover?
Typically: property (building and contents), liability, business interruption, and optional coverages like liquor liability, equipment breakdown, and spoilage. Coverage depends on the policy and endorsements.
Do I need liquor liability if I serve alcohol?
In many cases, yes. Serving or selling alcohol increases liability exposure and may be required by landlords, licensing authorities, or contracts.
How much restaurant insurance do I need?
A strong starting point is insuring your equipment and build-out to replacement cost, carrying liability limits that match your foot traffic and alcohol exposure, and adding business interruption to cover income and fixed expenses.
At StarNet Insurance Group, we make restaurant insurance clear and practical — so you can protect your operation, your staff, and your long-term business success with confidence.