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What Kind of Insurance Does a Restaurant Need?

What Kind of Insurance Does a Restaurant Need?

Call (800) 641-7488 to speak with a live representative

what kind of insurance does a restaurant need

What Kind of Insurance Does a Restaurant Need?

For most restaurants, both large and small alike, insurance is a common denominator in building a successful business.  Insurance should be considered as essential to the survival of your restaurant just as basic utilities are.  

Some types of insurance are required by law, others may be required by municipalities, vendors, landlords or property managers, etc.  Restaurant insurance is all about safeguarding your business and protecting your employees and your financial investment in your restaurant.

For most restaurants, including fine dining, casual, and carry-out, a business owners policy can be the best way to insurance your restaurant.  A business owners policy, or BOP, is a combined policy package that usually includes general liability insurance and property coverage.

General liability insurance protects your business from third-party injuries while inside or outside your restaurant.  Property insurance protects any property your business owns.  This can be the building your restaurant operates from, or any contents, equipment, computers, or any other inventory your restaurant owns.

Other coverages that may be required based on the state your restaurant is in include:

Liquor Liability – If your restaurant sells or serves liquor, the risk of a liability claim as a consequence of a patron is involved in a fight, auto accident, etc.  Liquor liability coverage protects your restaurant if it is held liable for those damages.

Workers Compensation – If an employee at your restaurant is injured while on the job, workers compensation insurance, or workers comp, covers that employee’s medical bills, recovery costs, and partial missed wages.

And some additional coverages that may be added to a restaurant’s business owners insurance policy:

Loss of Income – Read more here.

Commercial Auto – If your restaurant owns a vehicle used to pick up food orders from vendors, a commercial auto policy for your car, truck or van is necessary to protect you.

Commercial Umbrella – This policy is designed to add-on, or supplement existing restaurant business insurance policies. This means commercial umbrella insurance takes force when the cost of a lawsuit exceeds and exhausts your general liability insurance coverage limits.


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“Such a convenient company to work with! The staff was very friendly and beyond accommodating to my last minute request. The agent was easy to work with and truly gave me the best auto insurance quote among other local companies I’ve dealt with in the past. I highly recommend working with them.”
Aya M.
Aya M.
“I switched all my properties to Insured ASAP and they saved me a good amount of money on all my policies with better insurance companies than I had before. My agent Al and the staff are very professional and quick to handle all my requests. I’ll be referring all my family and friends!”
Ike J.
Ike J.
“Insured ASAP is the best insurance agency & most prompt I have dealt with. We are a real estate company and buy all our policies through Insured ASAP. We dealt with a few agents prior to Al and they were deadbeat unresponsive to our phone calls or emails. You only heard from then when it’s time to renew and for them to take our money so they get their cut of the pie in commission. If you are looking for an honest and reliable agent this company here is the one.”
Remi M.
Remi M.

Bridgeview Location

Insured ASAP
7213 W. 84th St.
Bridgeview, IL 60455
 ? (708) 233-4848

Opening Hours

Monday: 9:00 am – 5:00 pm
Tuesday: 9:00 am – 5:00 pm
Wed.: 9:00 am – 5:00 pm
Thursday: 9:00 am – 5:00 pm
Friday: 9:00 am – 5:00 pm
Saturday: 10:00 am – 3:00 pm
Sunday: Closed

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