Business Insurance for Restaurants

Running a restaurant means managing property, people, food, and a steady flow of customers, each of which carries its own risk. A thin-margin business cannot easily absorb a large uninsured loss, which makes the right coverage important.

Core coverages for a restaurant

• General liability: for customer injuries such as slips and falls.
• Commercial property: for the building, kitchen equipment, and contents.
• Workers' compensation: for staff injuries, as required.
• Business interruption: for income lost after a covered closure.

Risks specific to food service

Kitchens carry fire risk, floors invite slips, and equipment breakdown can halt service. Restaurants that serve alcohol also need to consider liquor liability. A package policy often bundles the essentials efficiently.

What Truscott recommends

Match your coverage to how your restaurant actually operates. Explore business insurance or start a quote.