Protect Your Business Without Eating Your Profits.
Secure the compliant coverage you need. We handle the insurance so you can focus on hospitality.
What is Restaurant Insurance?
Specialized coverage for restaurants, bars, cafes, and food service businesses
General Liability
Covers slip-and-fall accidents, foodborne illness claims, and customer injury lawsuits
Property Coverage
Protects your building, kitchen equipment, furniture, and inventory from fire, theft, or damage
Workers Compensation
Required coverage for kitchen staff, servers, and all employees injured on the job
Common Restaurant Insurance Claims
- Customer Slip-and-Fall: Patron slips on wet floor near restroom and breaks wrist - GL covers medical bills and legal costs
- Foodborne Illness Outbreak: Multiple customers get food poisoning - GL covers medical claims and potential lawsuits
- Kitchen Fire Damage: Grease fire damages equipment and forces closure - Property insurance covers repairs and lost income
- Employee Burn Injury: Cook suffers severe burns from hot oil spill - Workers comp covers medical treatment and time off
- Liquor Liability Claim: Intoxicated patron causes car accident after leaving bar - Liquor liability coverage handles lawsuit
Why Choose Atesa for Restaurant Insurance?
We specialize in restaurant coverage for all types of businesses
Competitive Pricing
We compare quotes from 40+ carriers to find you the best restaurant insurance rates
Fast Response
Quick quotes, clear communication, and responsive service when you need us most
Compliant Coverage
We ensure your policy meets all requirements for restaurants and food service businesses
Get Your Restaurant Quote
Fill out the form below and we'll provide a competitive quote within 24 hours
Key Restaurant Insurance Coverage Features
Specialized protection for food service businesses
General Liability
Covers slip-and-fall accidents, customer injuries, and property damage claims
Liquor Liability
Protects against claims related to serving alcohol to intoxicated or underage patrons
Food Contamination Coverage
Covers spoilage from equipment breakdown, power outages, or contamination
Property Coverage
Protects your building, kitchen equipment, furniture, and inventory
Workers Compensation
Required coverage for kitchen staff, servers, and all restaurant employees
Business Interruption
Replaces lost income when fire, equipment failure, or disasters close your restaurant
Insurance Guidance Tailored to You
Your needs come first. There is no one size fits all solution for your business or coverage. We tailor insurance to your needs, not someone else's goal.
Captive Agents
Online or Direct
Restaurant Types We Cover
Tailored insurance solutions for every type of food service business
Fine Dining Restaurants
Upscale dining establishments, chef-driven concepts, and premium restaurants
Cafes & Coffee Shops
Coffee shops, bakeries, cafes, and specialty beverage establishments
Fast Casual & QSR
Quick service restaurants, fast casual dining, and counter service concepts
Food Trucks & Mobile
Mobile food vendors, food trucks, and pop-up dining concepts
Bars & Nightlife
Bars, pubs, nightclubs, and establishments with liquor service
Catering & Events
Catering companies, event services, and off-premise food service
Don't see your restaurant type? We cover food service businesses of all kinds.
Restaurant Insurance FAQs
Get answers to common questions about this coverage
Trusted by Our Clients
See what our clients have to say about their experience with Atesa Risk Advisors