Industry Insurance
Restaurants & Cafes Insurance
Running a restaurant means managing heat, knives, alcohol service, and hundreds of customers — all while trying to make a profit. Insurance is foundational to protecting your restaurant from the specific risks of the food service industry, from kitchen fires to slip-and-fall claims to food spoilage.
Risk & Exposure
Why Insurance Matters for Restaurants & Cafes
Understanding your risk is the first step to finding coverage that actually protects your operation.
Kitchen Fire Risk
Grease fires are among the most common and costly commercial losses. Commercial property and BOP coverage protect your kitchen and ensure you can reopen.
Alcohol Service Liability
Dram shop laws can hold you liable for accidents caused by patrons you served. Liquor liability is essential for any restaurant serving alcohol.
High Employee Turnover
Restaurant employment disputes are common. EPLI protects you from costly wrongful termination and harassment claims.
Coverage Options
Commonly Recommended Coverages
Every restaurants & cafes operation is different, but these coverages form the foundation of a solid protection plan.
Restaurants & Cafes Insurance
Ready to Protect Your Restaurants & Cafes Business?
Our licensed agents understand restaurants & cafes risk. Let us compare options from 96+ carriers and build a protection plan that fits your operation.