Restaurant Insurance Experts

Every restaurant should carry general liability, property, workers’ compensation, business interruption, and liquor liability coverage. Additional protection for cyber exposure, employment practices, and delivery operations is recommended.

Yes, restaurants need insurance if they rent space. Tenants must insure their equipment, improvements, and operations. Landlords usually require proof of liability coverage and may request to be listed as additional insureds.

Costs vary by size, service type, and alcohol sales. Many restaurants spend between $3,000 and $8,000 annually. Higher exposure factors, such as late hours or delivery operations, increase cost.

Food spoilage coverage reimburses for inventory loss caused by power outages or refrigeration failure. It is typically added as an endorsement to property insurance.

Refine Risk evaluates existing coverage, identifies exposures, and structures insurance programs that meet operational and regulatory standards. Our advisors provide renewal coordination and ongoing claims guidance.