Insurance for restaurants & food service
Kitchens, dining rooms and delivery each bring their own risks, from slip-and-falls to spoiled inventory.
Risks worth reviewing
- Customer injuries and foodborne illness claims
- Kitchen fires and equipment breakdown
- Spoiled food after a power outage
- Delivery drivers and employees using their own cars
Coverage businesses like yours often review
Common questions
Do I need liquor liability if I serve beer and wine?
Most general liability policies exclude liability from serving alcohol, so restaurants that serve it usually need liquor liability.
What if employees deliver in their own cars?
Hired and non-owned auto coverage helps protect the business when employees drive their own vehicles for work.
General information only. Every business is different, and coverage depends on the policy's terms, conditions and underwriting. A licensed agent can review what fits.