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Restaurant insurance & food and beverage business insurance
If your business serves food or alcohol, you know that there's no way to predict what can go wrong on the job. A team member could burn their hand. A fire could break out in the kitchen and destroy some of your equipment. One of your employees could serve too much alcohol to a customer, who then destroys someone else’s property with their vehicle.
The common denominator of all these situations? Unless you have a reliable restaurant and bar insurance program, you may get stuck with the legal liability and the bill.
Here are some of the restaurant and bar specialties Huckleberry covers:
- Bars & taverns
- Fast food franchises
- Lounges
- Pizzerias
- Sandwich shops
- Delis
- Diners
- Cafes and coffee shops
- Food delivery services
- Commercial kitchens
No matter your specialty or restaurant needs, you can rest assured that a restaurant or commercial kitchen insurance policy through Huckleberry can help keep your restaurant or bar protected in most situations (and save you a lot of time and money).
And don’t forget that you can add a restaurant endorsement to your Business Owner’s Policy. This add-on will help ensure that you’re covered for food spoilage, food contamination, and other insurance needs specific to the restaurant industry.
The most common restaurant business insurance coverages
Pays out for medical costs and lost wages if an employee gets sick or hurt on the job.
A handy bundle of coverages, which includes business interruption insurance, general liability, and business property coverages.
Protects your restaurant or bar if a third party ever sues you for property damage, bodily injury, or more.
Vandalism? A destructive bar fight? This coverage protects your building (if you own it) and the personal property inside.
Helps protect your business if you ever over-serve alcohol to a visibly intoxicated person.
How much does restaurant insurance cost?
Your restaurant insurance coverage can be surprisingly affordable! Through Huckleberry, restaurant and bar owners have paid as little as $42 per month for a Business Owner’s Policy or $30 per month for workers’ compensation insurance.
Don’t believe us? Get a restaurant insurance quote from us today in minutes. Customize your coverage options and buy online if you want—no phone calls necessary.
Restaurant insurance Q&A
What types of insurance are necessary for your restaurant? Well, while there isn’t a single blanket policy that will cover all the risks a restaurant owner faces, you’ll need workers’ compensation, which is required by law in most states.
You should also consider purchasing a Business Owner’s Policy—which includes general liability insurance, commercial property insurance, and business interruption insurance. (Don’t want a BOP? Purchase at least general liability and business property insurance.) Other optional add-ons to a BOP include commercial auto insurance, equipment breakdown coverage, business income coverage, and more—all of which may be relevant to your business.
Finally, don’t forget a liquor liability policy if you serve alcohol.
Get copies of your Certificate of Insurance from Huckleberry for free. Visit our Certificate of Insurance page to generate as many certificates as you need. We’ll even email them to whomever you choose.
Huckleberry sells fast, simple small business insurance. Everything is 100% online and 100% easy. Small business owners can get the right coverage for their restaurants and bars today.
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