Fast Food Restaurant Insurance
Get affordable coverage designed for quick-service restaurants with fast food insurance from Food Liability Insurance Program (FLIP).
Benefits of Fast Food Restaurant Insurance
Quick, simple, and made to order: you’ll love the perks of insuring your fast food business with FLIP.
Meet Coverage Requirements
FLIP’s fast food insurance helps you satisfy commercial lease or contract requirements, like having proof of insurance and adding additional insureds.
Protect Your Business from Costly Claims
Take care of claims quickly and cover costs like medical bills, property repairs, and legal fees, so business can stay on pace.
Customize Your Policy
Tailor your coverage to protect your business, equipment, and employees based on how your restaurant actually operates.
What Is Fast Food Insurance?
Fast food insurance is a type of restaurant coverage built to cover the costs of accidents that can happen while operating a fast food joint or franchise location. Most policies include a combination of liability insurance and property coverage to protect against common claims, such as:
- Third-party bodily injuries (injuries to your customers, partners, or vendors while they’re on the premises) and property damages you cause in your leased space
- Damage to your business property (such as appliances, equipment, and dining room furniture)
- Foodborne illness (claims of food poisoning or allergic reactions to your food after it’s served)
- Workplace incidents (employee injuries or allegations of wrongful termination, harassment, or discrimination)
While you’re serving up quick bites at the drive-thru and greeting customers at the counter, your fast food insurance policy with FLIP works in the background to keep service smooth and safe from costly surprises.
Do you operate a fast food truck without a permanent location? Get the fast, affordable coverage you need for your on-the-go service with mobile food business insurance.
Who Needs Insurance for a Fast Food Restaurant?
Whether you own your restaurant independently, as a family, or under a franchise name, you need fast food business insurance. Often required to satisfy a lease, contract, or local laws, fast food establishments that need coverage can include:
- Drive-thrus
- Sandwich shops and delis
- Burger restaurants
- Fried chicken restaurants
- Pizza shops
- Counter-service restaurants
- Build-your-own restaurants
- Takeout and delivery restaurants
- Fast food franchise locations
What Kind of Insurance Do Fast Food Businesses Need?
A good combo just makes sense. Insurance for fast food restaurants works the same way, offering essential coverages everyone should have, plus customizable add-ons to meet your unique business needs.
Looking for the full menu? Learn more about what insurance restaurants need most.
Coverage | What It Covers | Example Claim |
Third-party bodily injuries and property damage caused by your business | A customer slips near the soda station, breaks their wrist, and sues for their medical bills | |
Limited property damage coverage for a space you rent | A small kitchen fire damages the walls and ceiling of your leased restaurant space | |
Claims related to libel, slander, or copyright infringement in your advertising/marketing | Your restaurant uses a copyrighted image in a social media ad without permission, and the owner files a claim | |
Bodily injury and property damage caused by vehicles your business owns and uses for work | A company-owned delivery vehicle gets rear-ended while on a supply run, resulting in minor vehicle damage and injury-related costs | |
Hired & non-owned auto | Liability protection for accidents involving personal, rented, or borrowed vehicles used for business purposes | An employee gets into an accident while using their personal car to make a delivery for your restaurant. |
Third-party injuries or damages caused by your food and drink products | A customer claims they got salmonella after eating contaminated food from your restaurant | |
Commercial property | Damages to your building (if you own it) and its contents (e.g., frying equipment, inventory, and furniture) caused by a covered event | Someone vandalizes the front entrance of your building, leading to repairs and cleanup costs |
Third-party property damage and bodily injuries caused by an intoxicated patron you served alcohol | You serve alcohol to an intoxicated patron, who causes an accident on the way home, and names your restaurant in the lawsuit | |
State-mandated benefits for employees who develop work-related injuries or illnesses | An employee burns their hand on a fryer and needs medical treatment and time off work | |
Employment Practices Liability Insurance (EPLI) | Claims related to employee treatment (e.g., harassment, wrongful termination, and discrimination) | A former employee claims they were wrongfully let go after making a report against a shift manager |
Business income interruption | Lost income and operating expenses if you have to close your business due to a covered event | A grease fire forces your restaurant to close for repairs for several weeks, causing lost income |
Equipment breakdown | Mechanical or electrical failure of your business equipment | Your walk-in freezer breaks down unexpectedly, spoiling refrigerated inventory and disrupting service |
Damage or theft of mobile or off-site business equipment | Catering equipment is stolen while being transported to an off-site event | |
First- and third-party costs stemming from data breaches, hacks, and other cyberattacks | A hacker breaches your payment system and steals customer card information, triggering notification and recovery costs. |
How Much Does Fast Food Restaurant Insurance Cost?
The cost of FLIP’s restaurant insurance for a fast food business starts at $2,500 per year or $208.33 a month. Some fast food chains and locations may pay more or less for their monthly premium depending on factors like:
- Location
- Gross annual revenue
- Restaurant size, type, and services
- Payroll
- Claims history
- Policy limits
- Number of locations being insured
- Whether you lease or own your location
Personalizing your fast food business insurance policy through FLIP is a simple, affordable way to get the coverage you need for your restaurant to thrive.
Why Fast Food Business Owners Choose FLIP
Here's what other people have to say about their experience from over 450+ available reviews.
Coverage Details for Fast Food Restaurants
General Liability Aggregate Limit
Starts at $2,000,000
Products-Completed Operations Aggregate Limit
Starts at $2,000,000
Personal and Advertising Injury Limit
Starts at $1,000,000
General Each Occurrence Limit
Starts at $1,000,000
Damage to Premises Rented to You Limit
Starts at $50,000
Liquor Liability Occurrence & Aggregate Limit
Starts at $1,000,000
FAQs About Fast Food Restaurant Insurance
What Does Fast Food Insurance Cover?
FLIP’s fast food insurance is designed to cover the costs of claims that can happen when running a fast food business, like customer or employee injuries, property damages, and food poisoning claims.
Most policies combine coverages like general liability, product liability, commercial property, and workers compensation insurance to cover the day-to-day operational risks.
What is a Certificate of Insurance (COI) for a Fast Food Franchise?
A certificate of insurance (COI) is a document from your insurance provider that proves your fast food franchise has active business insurance and shows key policy details, such as coverage types, limits, and effective dates. Fast food franchisees may need a COI to satisfy franchise, landlord, lender, or contract requirements before opening, renewing, or continuing operations.
What Information Do I Need to Get Fast Food Insurance?
To get an insurance quote for your fast food restaurant, you’ll need to have the following information ready:
- Business name and entity type (including whether it is a franchise)
- Restaurant address
- Federal Employer Identification Number (FEIN)
- Owner contact information
- Restaurant type and services
- Building details
- Annual sales
- Payroll information
- Any current insurance and claims history
Does Fast Food Restaurant Insurance Cover Food Poisoning and Customer Injuries?
Yes! FLIP’s insurance for fast food restaurants includes general and product liability coverage, which can protect your business from liability claims, like customer injuries and food poisoning.
What Insurance Do I Need for a Fast Food Restaurant that Offers Delivery or Drive-Thru Service?
Fast food restaurants that offer delivery or drive-thru services typically need some kind of auto insurance in addition to their liability, property, and operational coverages. Food delivery services require either commercial auto insurance (if the vehicle is company-owned) or hired and non-owned auto insurance (if the vehicle is owned and operated by an employee).