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Restaurant Insurance

Protect your restaurant from the expensive cost of claims with commercial restaurant insurance.

Benefits of Restaurant Insurance

food steaming

Claims Cost Protection

Restaurant insurance can protect your business from the cost of claims like attorney fees, medical costs, and more.

spoon and fork

Protect Your Business Reputation

Insurance can help protect your business reputation when claims happen. You can advertise your business as a licensed and insured business, which can increase your clientele.  


Peace of Mind

Running a business can be stressful. With restaurant insurance, you can experience peace of mind and less stress knowing that you’re prepared and protected. 

What Is Restaurant Insurance and Who Needs It?

Business insurance for restaurants is designed to protect your business from the expensive costs of claims through a series of insurance coverages. Your policy can include general liability insurance, product liability insurance, damage to premises rented insurance, and cyber liability insurance.

It’s important to note that these insurance coverages don’t prevent claims, but they can mitigate or even eliminate how much money they could cost your business. 

If you have a brick-and-mortar store, Food Liability Insurance Program (FLIP) cannot provide a policy. However, you can click the link below to get a quote for your restaurant from our trusted partner, CoverWallet.

Get Your Restaurant Insurance Quote

How Much Does Restaurant Insurance Cost?

With CoverWallet, the cost of restaurant insurance can range in several different directions depending on your business’ needs:

  • General Liability for Restaurants: Ranges from $529 to $6,097 annually. The average annual payment is around $950.
  • Business Owner Policy (BOP) for Restaurants: Ranges from $1,100 to $10,500 annually. The average annual payment is around $2,160.
  • Workers’ Compensation Insurance for Restaurants: Ranges from $600 to $10,000 annually. The average annual payment is around $1,500.
  • Liquor Liability Insurance for Restaurants: Ranges from $350 to $3,000 annually. The average annual payment is around $620.

What Kind Of Insurance Does A Restaurant Need?

A restaurant needs several types of insurance. Your restaurant insurance policy can include:

  • General Liability Insurance
  • Product Liability Insurance
  • Inland Marine (Tools & Equipment) Insurance
  • Damage to Premises Rented
  • Cyber Liability Insurance
  • Increased Insurance Limits
  • Additional Insureds

Let's Talk About Numbers for FLIP


Restaurant Liability Insurance Coverage Details

Our partner, CoverWallet, offers several different coverage options when it comes to restaurant insurance. Listed below are the coverages you can choose for your business. 

General Liability

This coverage helps protect your business from the most common claims a restaurant could experience: cost of third-party injury and property damage claims. Covered claims could include damage to someone’s property or if someone becomes injured  on your business equipment. 

Product Liability

A common risk in the food business is food poisoning. If a customer were to get sick from the food you served them, product liability insurance could help protect you from the expensive medical fees and bills.

Inland Marine (Tools & Equipment)

Protect your business equipment through tools and equipment insurance. If your cooking gear is damaged or stolen it could be repaired or replaced with this insurance, saving you from an expensive out-of-pocket price tag.

Damage to Premises Rented

Protect your business from paying for damages you might cause to a rented space such as a commercial kitchen or rented building. For instance, if your stove causes grease stains you could be held liable to pay for those damages. 

Liquor Liability

If your restaurant serves or furnishes alcohol then you are exposed to alcohol-related risks and claims. If you hold a liquor license, this may be required by the state you operate in. Liquor liability insurance can help protect you from the cost of liquor-related claims. 

Workers' Compensation

If you have any full-time employees, then you may want to consider workers’ compensation. This can protect your employees if they fall sick or are injured while working for you.

What Customers Say About FLIP

560+ Five Star Reviews

Shannon O.
Shannon O.
Hot Day Afternoon BBQ & Catering
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We have had policies with them for probably 11 years and everything has always been so professional, fast and easy. I would never even think of moving to a new carrier.
Brazil M.
Brazil M.
Spryce Company
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Great Insurance Company. All my needs are accommodated through FLIP. I’ve been a client for 7 years and never needed to find a new home.
Shallie A.
Shallie A.
Set the Bar Rentals
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So far, so good! New member to flip! I’ve already received top notch service from an agent, got my insurance and paid my invoice in less than an hour. Thank you to MBP for the referral.
Don B.
Don B.
Madison Lane Farms
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Easy to find a policy I needed. I had a few questions and they were promptly -and very clearly - answered in email. Price is reasonable for the coverage I got. Website is easy to navigate and the user dashboard is helpful.
Chynsia M.
Chynsia M.
Vibrant Life Bakery
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Hello, using and joining the FLIP website was fast, easy, painless and affordable. An agent got back to me promptly if I had any questions. I recommend FLIP to anyone who needs to insure their company.
Emtesha N.
Emtesha N.
Baked Chemistry
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Simple, Easy, affordable coverage! Been with FLIP for over 4 years. I love the unlimited additional insured as well. They have a lifelong customer!!
Whitni S.
Whitni S.
Whit's End Catering
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I’ve been covered by this company for almost 5 years. Very reasonably priced and great customer service.
Ken P.
Ken P.
Slider City BBQ & Catering
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FLIP insurance for my catering company was very affordable and a simple process to obtain. In addition, they respond quickly when asked to add on addition kitchens to the policies.
Alejandro G.
Alejandro G.
Atlanta Vice LLC
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Love the simple and easy process. Customer services answered all of my questions and my returned my immediately instead of waiting for a representative.
Michele M.
Michele M.
M&M Kettlecorn LLC
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It was an easy and fast experience that you don't get with others and I will definitely be using this in the future and to any of those who want to try it, I got one thing to say to you,"JUST DO IT!"
Tanja D.
Tanja D.
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Right what we needed as a startup in the food industry. Affordable insurance and expandable when necessary. Thank you!
Maxine L.
Maxine L.
Chips Galore Cookies and More
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It was am auto renew, which makes it so easy. Was sent a reminder that it was due, and then it was done..did not have to worry about it.

Have Questions? We're On It.

Food business owners who need restaurant insurance include:

  • Cafes/Coffee Shops
  • Diners
  • Delis
  • Food Delivery Services
  • Fast Food Restaurants
  • Pizzerias
  • Sandwich Shops
  • Ghost Kitchens
  • Any Brick-and-Mortar Restaurants

As businesses in the food industry, restaurants have a unique set of liability risks, from trip and fall accidents and business property damage to customers getting sick from the food you serve. Just one liability claim can cost tens of thousands of dollars. Without liability insurance, your business may be required to pay for claims out of pocket. Restaurant business insurance can mitigate or sometimes eliminate the cost your restaurant may be required to pay for claims.

No. In order to protect your business from liquor-related claims, you must include a liquor liability insurance coverage to your restaurant insurance policy. If your restaurant serves, sells, or furnishes alcohol, you will need this important coverage to protect your business from the cost of alcohol-related accidents. It may also be required by the state you operate in. 

As a restaurant owner you can experience a bevy of risks and claims such as the following:

  • A customer or bystander trips over your equipment, causing bodily harm
  • Someone damages or steals your business equipment
  • A customer gets a foodborne illness from food you served them
  • A fire or disaster destroys your business equipment or causes property damage


Without restaurant insurance coverage these claims could cost you thousands of dollars in medical fees, attorney fees, and more. With restaurant insurance, these costs can be mitigated or even eliminated. 

Restaurant insurance coverage can cover injury claims, food poisoning claims, property damage claims, and more. Coverages can include general liability insurance, product liability insurance, and tools and equipment coverage. 

One single claim could cost you tens of thousands of dollars and have the potential to devastate your business financially. When you have restaurant liability insurance you may protect yourself from the exorbitant cost that claims could cause. Our partner CoverWallet offers multiple coverages because not all claims are the same, but each has the potential to financially devastate your business.