What insurance does a restaurant need?

Essential coverages: General Liability (slip & fall, food illness claims), Commercial Property (equipment, building), Workers' Comp (employee injuries), and Liquor Liability if you serve alcohol.

How much is restaurant insurance per month?

A small restaurant (under $500K revenue) typically pays $500-$1,500/month for a comprehensive insurance package. Full-service restaurants with liquor licenses pay more.

What is liquor liability insurance?

Liquor liability covers claims arising from serving alcohol — including drunk driving accidents caused by patrons. It is separate from general liability and required in most states if you serve alcohol.

Does a food truck need the same insurance?

Food trucks need similar coverages but typically get a Commercial Auto policy that covers the truck as both a vehicle and a business location, plus General Liability.

What is a BOP and should I get one?

A Business Owner's Policy bundles General Liability and Commercial Property into a single policy at a discounted rate. It is the best starting point for most small restaurants.

What insurance does a restaurant need?

Essential coverages: General Liability (slip & fall, food illness claims), Commercial Property (equipment, building), Workers' Comp (employee injuries), and Liquor Liability if you serve alcohol.

How much is restaurant insurance per month?

A small restaurant (under $500K revenue) typically pays $500-$1,500/month for a comprehensive insurance package. Full-service restaurants with liquor licenses pay more.

What is liquor liability insurance?

Liquor liability covers claims arising from serving alcohol — including drunk driving accidents caused by patrons. It is separate from general liability and required in most states if you serve alcohol.

Does a food truck need the same insurance?

Food trucks need similar coverages but typically get a Commercial Auto policy that covers the truck as both a vehicle and a business location, plus General Liability.

What is a BOP and should I get one?

A Business Owner's Policy bundles General Liability and Commercial Property into a single policy at a discounted rate. It is the best starting point for most small restaurants.

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Business Insurance for Restaurants

Restaurants face a wide range of risks — from slip-and-fall accidents to foodborne illness claims. A Business Owner's Policy (BOP) is the starting point, typically bundling General Liability and Commercial Property at a discount.

Food & BeverageRisk: HighUpdated July 2026

Key Facts: Business Insurance for Restaurants

A Business Owner's Policy (BOP) bundles General Liability + Commercial Property at a 15-25% discount
Liquor liability is essential if you serve alcohol — standard GL policies often exclude alcohol-related claims
Workers' comp is required in all states for restaurants with employees
Food spoilage coverage protects inventory if a refrigeration system fails

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Risks & Coverage for Restaurants

Top Risks for Restaurants

Slip & fall claims
Foodborne illness
Property damage
Liquor liability

Recommended Coverages

BOP (GL + Property)
Liquor Liability
Workers' Comp
Food Spoilage

Restaurant Insurance Tips

A Business Owner's Policy (BOP) bundles General Liability + Commercial Property at a 15-25% discount

Liquor liability is essential if you serve alcohol — standard GL policies often exclude alcohol-related claims

Workers' comp is required in all states for restaurants with employees

Food spoilage coverage protects inventory if a refrigeration system fails

Frequently Asked Questions: Restaurant Business Insurance

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Disclaimer: This content is for educational purposes only. Business insurance requirements vary by state, industry, and contract. Consult a licensed commercial insurance broker before making coverage decisions.