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Business insurance for restaurants.
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What you’ll get
Coverage picked for your business
Options from available carriers
Agent follow-up within 2 minutes
Typical monthly costs
How much does restaurant insurance cost?
General liability
$125–$155/mo
Business owner policy
$225–$275/mo
Workers compensation
$100–$125/mo
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.
Real-world risks
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.
The short answer
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.
Common starting points
Coverage that may fit restaurants, cafes, and caterers
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.
Compare coverage details
BOP or commercial property
- Helps with
- Eligible restaurants may combine property and liability in a BOP; property coverage can address equipment, stock, and tenant improvements after a covered loss.
- Review it when
- You lease a location, own kitchen equipment, rely on refrigeration, or would lose income after a covered shutdown.
General and product liability
- Helps with
- Third-party injury or property-damage claims, including customer incidents and covered food-product allegations.
- Review it when
- You serve customers on premises, cater events, sell takeout, or must satisfy a lease or vendor contract.
Workers compensation
- Helps with
- Employee injuries and related state obligations for kitchen, service, delivery, and front-of-house staff.
- Review it when
- You hire any employees; requirements, owner exclusions, and classifications vary by state.
Liquor liability
- Helps with
- Covered alcohol-related liability allegations that a standard general liability policy may exclude.
- Review it when
- You sell, serve, or furnish alcohol, including at catered events or temporary locations.
Hired and non-owned or commercial auto
- Helps with
- Vehicle liability questions created by business-owned vehicles, delivery drivers, rentals, or employee-owned cars used for work.
- Review it when
- You deliver, cater, reimburse drivers, rent vehicles, or own a restaurant vehicle.
| Coverage | Usually responds to | Review it when |
|---|---|---|
| BOP or commercial property | Eligible 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 liability | Third-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 compensation | Employee 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 liability | Covered 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 auto | Vehicle 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. |
Check official requirements: U.S. Small Business Administration: business insuranceU.S. Department of Labor: state workers compensation officialsU.S. Food and Drug Administration: Food Code
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How it works
- 01
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- 03
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Compare relevant coverage, carrier options, and price.
No obligation. Final coverage and pricing depend on underwriting.
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.
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.
Ready to see your options?
Start with your ZIP · response within 2 minutes
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