Business Owner's Policy (BOP)
Bundles property and general liability into one policy tailored for many small restaurant operations.
How it worksFood & Hospitality
Insurance for Restaurants That Never Slows Down
Protect your kitchen, your staff, and your guests with coverage built for full-service and fast-casual dining.
One application, shopped to our A-rated carrier network. Number of offers depends on carrier appetite for your class, state, and loss history.
What underwriters look at
Restaurants run on tight margins and even tighter timelines, and the risks stack up fast: a grease fire in the kitchen, a customer who slips near the host stand, or a walk-in cooler failure that spoils a week of inventory. Most restaurant owners need a blend of property, liability, and equipment protection working together rather than a single policy trying to do it all.
Staffing adds another layer. Line cooks, servers, and dishwashers face burns, cuts, and repetitive strain injuries on a regular basis, which is why workers compensation is typically required once a restaurant hires its first employee in most states. Turnover in the industry also means training gaps can raise the odds of an on-the-job injury.
Liquor service, delivery drivers, and third-party app partnerships have become standard for many restaurants, and each one introduces its own liability exposure. An independent agent can help match your concept, whether it is fine dining, quick service, or a food hall stall, to coverage that reflects how you actually operate day to day.
Kitchen fire and equipment breakdown
Fryers, ranges, and hood systems are common ignition points, and a single fire can shut a restaurant down for weeks while also destroying inventory and equipment.
Slip, trip, and fall claims
Wet floors near bars, entryways, and dish pits are a leading source of guest injury claims, and settlements can climb quickly depending on the injury.
Foodborne illness allegations
Even with strong food safety practices, a claim alleging illness from a meal can trigger costly legal defense and reputational damage.
Employee injuries in a fast-paced kitchen
Burns, lacerations, and slips are routine risks for kitchen staff, making workers compensation coverage a near-universal requirement for restaurant employers.
The coverage stack for restaurants
Most owners in this class start here. A licensed agent will confirm what your contracts, state, and payroll actually require.
Workers' Compensation Insurance
Covers medical costs and lost wages when kitchen or floor staff are injured on the job.
How it worksCommercial Property Insurance
Helps replace kitchen equipment, spoiled inventory, and buildout after fire or water damage.
How it worksCommercial Auto Insurance
Protects delivery vehicles and drivers making runs for catering orders or third-party delivery.
How it worksCyber Liability Insurance
Responds to breaches of customer payment data collected through POS systems and online ordering.
How it worksEmployment Practices Liability Insurance (EPL)
High turnover, young staff, and tip-credit pay rules make employment claims one of the most common uninsured losses in food service.
How it worksWhat it typically costs
Restaurant insurance costs vary widely based on seating capacity, whether liquor is served, and annual revenue, but most owners can expect a range like the following for a typical general liability and property package.
| Business size | Typical annual range |
|---|---|
Small quick-service, no liquor Lower exposure without a bar and a smaller footprint keeps premiums toward the lower end. | $2,500 – $5,500 / yr |
Full-service restaurant with bar Liquor liability and higher guest counts typically push premiums up for sit-down concepts. | $6,000 – $14,000 / yr |
Multi-location or high-volume dining Additional locations, larger payrolls, and more equipment increase overall coverage needs. | $15,000 – $35,000+ / yr |
Illustrative ranges only. Premium varies by state, carrier, limits, payroll, and loss history — it is not a quote.
What moves your premium
- Whether alcohol is served and how much of revenue it represents
- Annual revenue and seating capacity
- Number of employees and total payroll
- Building age, kitchen equipment value, and fire suppression systems
- Claims history and years in operation
- Delivery operations and use of third-party drivers
Restaurants insurance questions
Ready to compare restaurants quotes?
One application. Up to 10 competing quotes from A-rated carriers. A licensed agent presents your best options, usually within one business day.