From kitchen fires to slip-and-fall claims to food contamination issues, restaurants face unique risks. We've built restaurant insurance packages that cover the perils you face every day — food spoilage, liquor liability, employee injuries, and more.
Restaurant insurance is a specialized package of coverages that protects your business from the unique risks of food service. Whether you run a full-service restaurant, quick-service operation, food truck, or catering business, you need insurance that understands the industry. It covers everything from customer injuries and food contamination to kitchen fires and broken refrigeration equipment. We offer coverage types including general liability, liquor liability, commercial property, food spoilage & contamination, workers compensation, and equipment breakdown — all customized to your operation's specific needs.
Every restaurant is different. Here are the key coverages available for restaurant insurance — we'll customize a package that protects your specific operation.
Covers customer injuries (slip and fall), third-party property damage, and advertising claims — the foundation of restaurant protection.
If you serve or sell alcohol, this coverage is essential. Protects you from claims arising from alcohol-related incidents.
Covers food that spoils due to equipment breakdown and liability from contaminated food — critical for food service businesses.
Protects your building, kitchen equipment, furniture, and inventory from fire, theft, storms, and other covered perils.
Covers employee medical expenses and lost wages if they're injured on the job. Required in most states if you have employees.
Covers repairs or replacement of critical kitchen equipment when it breaks down unexpectedly — including HVAC and refrigeration.
Whether you're running a fine-dining establishment, a quick-service location, operating a food truck, or managing a catering operation, restaurant insurance is critical. Most commercial leases and alcohol service licenses require general liability. Beyond that, liquor liability and food spoilage coverage protect your business from the most common (and costly) claims in the food service industry.
See What You Can SaveFill out the form and a Nova Coverage agent will shop 50+ carriers to find you the best restaurant insurance rate — usually within 24 hours.
We're not locked into one carrier. As an independent agency, we represent 50+ top-rated insurance companies — so we shop the market to find you the best coverage at the best price for your restaurant.
Restaurant insurance typically covers general liability (customer injuries, third-party property damage), liquor liability (if you serve alcohol), food spoilage and contamination, commercial property (building, equipment, inventory), workers compensation (employee injuries), and equipment breakdown (kitchen equipment, HVAC, refrigeration).
If you serve or sell alcohol, yes. Most states require it by law. Even one incident involving an intoxicated patron can lead to significant liability claims. Liquor liability insurance protects your restaurant from lawsuits related to alcohol service.
Restaurant insurance costs depend on several factors: seating capacity, whether you serve alcohol, annual revenue, number of employees, type of cuisine, and location. A full-service restaurant typically costs more than quick-service. We recommend getting a custom quote to see rates for your specific operation.
Food trucks and catering operations require specialized coverage. Standard restaurant policies may not cover mobile operations or off-site events. We offer food truck insurance and catering liability coverage designed for these unique business models.
Let Nova Coverage shop 50+ carriers for your best rate. It's free, fast, and no obligation.
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