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Restaurant Insurance

Running a restaurant is no easy task. There are a lot of things to consider, from the food to the décor and even the staff. One crucial aspect that often gets overlooked is restaurant insurance. 

Restaurant insurance is a type of insurance policy that provides coverage for businesses in the restaurant industry. It covers various potential losses, such as business interruption, property damage, and liability issues. 

Restaurant insurance can cover a variety of different types of losses. For example, it can provide coverage for loss of income due to an accident or illness, as well as reimbursement for any damage to property or equipment. It can also provide coverage for legal fees in the event of a lawsuit or other legal action.

Who Needs Restaurant Insurance?

Any restaurant owner or operator should consider getting restaurant insurance. It is especially important for those who own or operate a high-risk restaurant, such as a bar or nightclub. These types of businesses are more likely to face lawsuits or other types of claims due to the nature of their operations.

However, restaurant insurance can also be beneficial for those who own or operate smaller, less risky businesses, as it provides general financial protection in the event of a claim or lawsuit, as well as peace of mind knowing that your business is protected.

No matter the size or type of restaurant, it is vital to have the right type of insurance in place to protect your business. Without the right coverage, your restaurant could be left vulnerable to losses or lawsuits.

Types of Restaurant Insurance

The most common type of restaurant insurance is general liability coverage. This type of policy covers any potential liability that could arise from accidents or other incidents that occur on your property. 

In addition to general liability coverage, you may also want to consider adding property insurance to your policy. This type of coverage will protect you in the event of damage to your buildings or equipment due to fire, theft, or other causes.

Business interruption coverage provides compensation if your restaurant is forced to close due to an event such as a natural disaster, a power outage, or a medical emergency.

Finally, you should also add employee coverage to your policy. This type of coverage can provide financial protection in the event of an employee injury or illness.

Restaurant Insurance Costs

The cost of restaurant insurance will vary depending on the type and amount of coverage you choose. Most policies have a minimum premium amount, though this can be adjusted depending on the type of coverage you need. 

Where you have your business also impacts the price of your premiums. The type of establishment will affect the costs, too, with, for example, a nightclub being a riskier business than a small restaurant in the suburbs. 

Restaurant Insurance Requirements

There are certain requirements that must be met to qualify for restaurant insurance. This includes having a valid business license, as well as a clear understanding of the types of risks and potential liabilities associated with your restaurant.

In addition, you must have the appropriate safety and security measures in place to protect your restaurant and its customers. This includes having proper fire safety measures, such as smoke detectors and fire extinguishers, as well as proper security measures, such as locks and alarms.

Finally, you must have proper employee training and safety procedures in place. This includes providing employees with the proper training and education to ensure they understand and follow safety protocols.

Insurance Classification Of Restaurants

  • SIC CODE: 5812 Eating Places
  • NAICS CODE: 722511 Full Service Restaurant
  • ISO General Liability Codes: 16900, 16901, 16902, 16910, 16911, 16915, 16916, 16920, 16921, 16930, 16931, 16940, 16941
  • Suggested Workers Compensation Codes: 9082, 9083, 9084


Having the correct restaurant insurance in place is essential for protecting your business from potential losses and ensuring its long-term success. There are various types of restaurant insurance available, so it is vital to shop around and find the right policy for your business. With the right coverage in place, you can rest assured knowing that your restaurant is protected.

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