Kinro

Built for U.S. small businesses

Business insurance for restaurants.

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Support from licensed agents No obligation to buy
Restaurant team during service

We work with 50+ companies to find the best match for you!

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What you’ll get

  • 1

    Coverage guidance

    We identify the coverage that commonly fits your work and state.

  • 2

    Available carrier options

    Compare price, limits, exclusions, and carrier fit with an independent agency.

  • 3

    An agent replies in ~2 min

    A licensed Kinro agent texts or emails to help with next steps.

How much does restaurant insurance cost?

Tell us what your business does and get personalized information, including published monthly insurance benchmarks that vary by business, location, payroll, and coverage.

$125–$155/mo

General liability

$225–$275/mo

Business owner policy

$100–$125/mo

Workers compensation

What insurance can help protect

Customer injury claims

Slips, falls, burns, or other customer incidents at your restaurant or event.

Property and equipment

Kitchen equipment, inventory, tenant improvements, and business property need review.

Liquor, delivery, and catering

Alcohol sales, delivery, catering, and events can add coverage questions.

Coverage to consider

BOP / Property

Can combine liability and property protection for eligible restaurant businesses.

General Liability

Helps with customer injury and third-party property damage claims.

Workers Compensation

Important for kitchen, server, delivery, and front-of-house employees.

Liquor / HNOA

May matter if you sell alcohol or use hired/non-owned vehicles for delivery.

Ready to see your options?It’s almost too easy.

Answers in minutes, not days of phone tag — before and after you buy. Independent support from Kinro & our licensed agents who shop the market for you, every renewal.

  • 1

    Enter your ZIP

    We use it to check state rules and carrier availability.

  • 2

    Hear from Kinro

    A licensed agent texts or emails you within 2 minutes.

  • 3

    Review your options

    Compare relevant coverage, carrier options, and price.

restaurants questions?We have answers.

What insurance do restaurants usually need?
Restaurants often look at a BOP or property package, general liability, workers comp, liquor liability, and hired/non-owned auto depending on operations.
What is the best business insurance for small restaurants?
The best restaurant insurance depends on the food service model, alcohol sales, delivery, catering, employee count, property values, lease requirements, and whether the business qualifies for a BOP.
Does delivery change restaurant insurance?
It can. Delivery may raise commercial auto or hired/non-owned auto questions.
Can Kinro help compare restaurant quotes?
Yes. Kinro can collect the key restaurant details and help compare available options.
What can change the price?
  • Cooking methods, alcohol sales, delivery, and hours of operation
  • Payroll, seating, annual revenue, property, and equipment values
  • Claims, location, limits, landlord, and lease requirements

Typical market benchmarks, not quotes or guaranteed prices. Your actual premium can be lower or higher after underwriting.

What insurance does a small restaurant need?

Most small restaurants look at a BOP or property package, general liability, workers comp, and then liquor liability, delivery or hired/non-owned auto, spoilage, and other coverage based on how the restaurant operates.

  • A BOP can be a common starting point for eligible cafes, caterers, and small restaurants because it can combine liability and property protection.
  • Liquor, delivery, catering, events, and hired drivers can add coverage questions beyond a basic restaurant policy.
  • Employees, payroll, kitchen equipment, inventory, tenant improvements, and lease requirements shape the final quote path.

When each coverage responds

When each restaurants coverage responds
CoverageUsually responds toReview it when
BOP or commercial propertyEligible restaurants may combine property and liability in a BOP; property coverage can address equipment, stock, and tenant improvements after a covered loss.You lease a location, own kitchen equipment, rely on refrigeration, or would lose income after a covered shutdown.
General and product liabilityThird-party injury or property-damage claims, including customer incidents and covered food-product allegations.You serve customers on premises, cater events, sell takeout, or must satisfy a lease or vendor contract.
Workers compensationEmployee injuries and related state obligations for kitchen, service, delivery, and front-of-house staff.You hire any employees; requirements, owner exclusions, and classifications vary by state.
Liquor liabilityCovered alcohol-related liability allegations that a standard general liability policy may exclude.You sell, serve, or furnish alcohol, including at catered events or temporary locations.
Hired and non-owned or commercial autoVehicle liability questions created by business-owned vehicles, delivery drivers, rentals, or employee-owned cars used for work.You deliver, cater, reimburse drivers, rent vehicles, or own a restaurant vehicle.

Official sources