Business insurance for restaurants.
From cafes to catering and full-service restaurants, Kinro helps you think through coverage and quote options.
Business insurance for restaurants
Built around real restaurant work.
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We work with 50+ companies to find the best match for you!
Simple coverage help for restaurants.
Start with the practical risks: services, locations, employees, property, vehicles, and any certificate needs.
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 that usually comes up
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.
Restaurants insurance FAQ
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.
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.
Why our insurance agency is built different.
We make shopping for insurance simple, fast and transparent.
- Answers in minutes, not days of phone tag, before and after you buy.
- We dig into your real risks so you're never over- or under-insured.
- Independent advice: we compare our carriers to find the right coverage at the best price.