RESTAURANT
INSURANCE
A RESTAURANT COMBINES KITCHEN RISK WITH HOSPITALITY EXPOSURE.
A restaurant carries general liability for every guest on the floor, food liability for every plate that leaves the kitchen, liquor liability if it serves alcohol, property coverage for a specialized and often expensive kitchen build-out, and workers compensation for a team that works in one of the physically demanding environments in the service industry. Standard commercial policies are rarely a good fit.
Every guest creates premises general liability from the moment they walk through the door.
Kitchen fires, equipment, and food handling create property and food liability exposure that differs from the front of house.
A restaurant with a full bar or wine service carries the same liquor and dram shop liability as a bar.
Kitchen and service staff work in an environment with burns, slips, and lifting injuries that drive workers compensation claims.
TAP EACH AREA TO SEE THE COVERAGE QUESTION.
Restaurant risks span the front and back of house. Tap each. A general illustration — not a coverage determination.
HOW THE PROGRAM IS BUILT.
Premises general liability for dining guests plus food and product liability for every dish served.
Liquor and dram shop liability where the restaurant serves beer, wine, or spirits, coordinated with general liability.
Commercial property for the building, kitchen equipment, and dining room build-out with business interruption for covered closures.
Coverage for kitchen and service staff in one of the highest workers comp claim frequency environments in hospitality.
TELL US ABOUT YOUR OPERATION.
Complete the form and a Kelly Insurance Group specialist will follow up to begin your review.
EVERY KIND OF ALCOHOL OPERATION.
STRAIGHT ANSWERS.
What does restaurant insurance cover?
Restaurant insurance covers general liability for dining room guests, food and product liability for dishes served, liquor liability where alcohol is served, commercial property for the kitchen and dining room build-out, and workers compensation for kitchen and service staff.
Does a restaurant with a bar need liquor liability?
Yes. Any restaurant that serves beer, wine, or spirits carries the same over-service and dram shop exposure as a bar. Liquor liability is a required line for any restaurant with an alcohol program.
Is food contamination covered under restaurant insurance?
Food and product liability for the restaurant covers claims arising from foodborne illness, contamination, or a product defect tied to something served at the restaurant. It is a separate line from general liability and is reviewed alongside the food handling and kitchen operation.
Is kitchen fire a big property risk for restaurants?
Yes. Kitchen fires are one of the most common and costly property events for restaurants. Property coverage for the kitchen equipment, the building, and adjacent units — plus business interruption for a covered closure — is a core part of the restaurant program.
Is workers compensation expensive for restaurant staff?
Restaurants have among the highest workers compensation claim frequency of any industry. Burns, slips, lifting injuries, and cuts drive a high claim rate for kitchen and service staff. Accurate classification and payroll reporting are important for both coverage and cost.
How do I get a restaurant insurance quote?
Completing the form on this page gathers your restaurant type, seating capacity, alcohol service, kitchen details, and staff size so the account can be reviewed and matched to the right specialty markets.
COVER EVERY GUEST, EVERY PLATE, EVERY SHIFT.
Kelly Insurance Group builds specialty programs for restaurants, dining rooms, and food and beverage operations.
The availability of coverage and eligibility for coverage can depend on numerous factors. We cannot guarantee that all customers, individuals, and businesses looking for coverage will be successful in these efforts when contacting our team. All policy coverages and terms need to be fully reviewed by the respective consumer to ensure the coverage asked for is what is specifically being quoted or provided by any insurance policy. Insurance Policies, Coverage Changes, and their terms and conditions are not bound or altered until written confirmation is provided by one of our licensed team members or underwriters. This page does not offer legal advice, legal opinions, or policy interpretations. Rather, this page is meant as a resource to help provide customers and insurance consumers with additional considerations that may help in their insurance buying or pursuit of insurance information. Kelly Insurance Group does not employ or direct attorneys.
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Disclaimer: Coverage availability and eligibility may depend on underwriting review, carrier guidelines, policy terms, state requirements, business operations, risk characteristics, and other information provided during the application or quoting process. Kelly Insurance Group cannot guarantee that every individual, customer, organization, or business seeking coverage will qualify for, receive, or successfully place insurance coverage. All policy coverages, exclusions, conditions, limits, endorsements, and terms should be carefully reviewed by the consumer, insured, or applicant to confirm that the coverage requested is the coverage being quoted, offered, or provided. Insurance coverage, policy changes, endorsements, cancellations, and other policy terms are not bound, changed, confirmed, or altered unless and until written confirmation is provided by a licensed Kelly Insurance Group team member, the applicable insurance carrier, or an authorized underwriter. This page is provided for general informational purposes only and does not provide legal advice, legal opinions, insurance coverage opinions, or policy interpretations.