What is Restaurant & Bar Insurance?
Restaurant and bar insurance bundles property, liability, liquor liability, equipment breakdown, and more—tailored for the unique risks of the food and beverage industry.
Cover Your Business From:
Fire & Property Damage
General Liability
Liquor Liability
Foodborne Illness
Employee Injuries
Equipment Breakdown
FAQ
What does restaurant & bar insurance cover?
It covers property damage, equipment, food spoilage, general and liquor liability, employee injuries, and legal expenses for lawsuits or claims.
Do I need liquor liability if I serve alcohol?
Yes, if you sell, serve, or allow BYOB, liquor liability protects against claims from alcohol-related injuries or damages involving your patrons.
Is foodborne illness covered?
Most policies offer protection for claims from customers made ill by contaminated food or beverages, but be sure to confirm this with your agent.
Are delivery drivers or catering covered?
You may need additional coverage for delivery, off-site catering, or events—discuss your operations with your agent to ensure proper protection.