What Insurance Should a Restaurant Have?

If you are wondering what types of insurance coverage your restaurant should consider, the answer can vary. Every restaurant is a little different, you may be a pizzeria, diner, bar, or even a franchised chain, with each come unique goals and challenges. Often, restaurants are involved in several risk factors, working with large numbers of people, dangerous kitchens, food that could go bad, alcohol, and some other additional considerations. That being said, there are some coverages more common than others that fit a variety of different restaurant models. 

Business Owners Policy

A Business Owner’s Policy (BOP) is a policy that combines both general liability and property insurance. While general liability applies to personal injury and property damage claims made by a customer or other third-party, general liability doesn’t provide coverage for your property. Having a Business Owner’s Policy can help protect your potential property losses.

Workers’ Compensation for Restaurants 

If you hire employees, Workers’ Compensation may be a state requirement. It can help cover medical bills for employees that are injured or become ill because of work related events. It can also help cover a portion of lost wages.

General Liability

General liability insurance can help protect your organization from third-party personal injury and property damage claims allegedly caused by the negligence of your company and/or employees. This coverage also sometimes provides coverage for libel and copyright infringement.

Commercial Auto

If you operate vehicles in connection with your restaurant, then commercial auto coverage is essential to keep you covered on the road. Cross provides coverage for many types of vehicles used for commercial purposes.

Liquor Liability

Depending on the type of restaurant, if you acquire the proper licenses, and then choose to serve alcohol, having liquor liability insurance may be a good idea. Liquor liability coverage can help provide your business with coverage for claims of bodily injury or property damage for which it may become liable as a result of serving alcohol to an intoxicated customer. This type of policy may cover settlements, legal costs, and medical expenses.

What are the Top Insurance Companies for Restaurants? 

Just like the cuisine varies restaurant to restaurant, different insurance companies also provide unique offerings. At Cross Insurance, we work with national carriers as well as local companies to provide options for businesses in many different industries, including restaurants. 

Commercial Insurance Quotes for Restaurants 

To see what coverages your restaurant should consider and compare rates, connect with your local office.  We have offices located in Maine, Massachusetts, New Hampshire, New York, Connecticut, Rhode Island, and Florida. It’s a good idea to have information on your business handy, such as the number of employees you have as well as how many locations you have. 


This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.

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