Restaurant Business Insurance

Restaurant business insurance protects bars, cafes, and food service businesses from liability claims, liquor exposure, equipment breakdown, property damage, and employee injuries.

Restaurant Business Insurance

"Focus On the Flavor. We'll Cover the Rest."

Protecting food service operations, employees, and customer safety

Restaurants face constant exposure to customer injuries, food-related claims, equipment breakdown, employee incidents, and liquor liability. From small cafés to large dining establishments, daily operations involve the public, cooking equipment, alcohol service, and employees working in fast-paced environments. Even a single accident, fire, or lawsuit can interrupt operations and create significant financial loss.

Properly structured insurance helps protect your property, staff, reputation, and the long-term success of your restaurant.

Key Risks in Restaurant Operations

Restaurant owners face exposure related to:

Customer slip-and-fall or injury claims

Foodborne illness allegations

Fire or kitchen equipment damage

Liquor liability incidents

Employee injuries

Property damage or theft

Business interruption after a loss

Losses can occur even in well-managed restaurants.

Core Coverages for Restaurants

Restaurant insurance programs typically include:

General Liability — Protects against bodily injury and property damage claims involving customers, vendors, or visitors.

Commercial Property — Covers the building, kitchen equipment, furniture, and inventory against covered physical loss.

Business Owners Policy (BOP)Combines liability and property coverage into one policy for qualifying restaurant operations.

Liquor Liability — Protects against claims involving injuries or damage caused by intoxicated patrons.

Workers Compensation — Provides coverage for employee injuries as required by law.

Equipment Breakdown — Covers mechanical or electrical failure of cooking, refrigeration, and kitchen equipment.

Business Income / Business Interruption — Protects lost income if the restaurant must close due to a covered loss.

Umbrella / Excess Liability — Provides additional limits for severe liability claims.

What’s Commonly Overlooked

Restaurant insurance programs are often weakened by:

Underinsured kitchen equipment

Missing liquor liability coverage

No business income protection

Inadequate liability limits

Failure to cover delivery exposure

Gaps between property and equipment coverage

These issues often appear only after a claim occurs.

Real-World Claim Examples

A customer slips on a wet floor

A kitchen fire damages the restaurant

A patron files a food poisoning claim

Alcohol service leads to a liability lawsuit

Equipment failure forces temporary closure

Even one incident can stop operations.

Why Proper Placement Matters

Restaurant coverage varies significantly based on:

Type of food service

Alcohol sales exposure

Hours of operation

Number of employees

Cooking equipment used

Lease or landlord requirements

Improper placement can result in uncovered losses or denied claims.

Our Approach

At Cory Washington & Co., we structure restaurant insurance programs based on how your operation actually runs — including kitchen exposure, alcohol service, employee count, and property values. We coordinate liability, property, income, and liquor coverage to ensure your restaurant is protected from the risks that come with serving the public every day.

Successful restaurants require strong protection.

Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.

Protect What You’ve Built

When everything you’ve built is on the line, a quote isn’t enough. Tell us about your business and receive a considered assessment — not a form letter.