Restaurant Insurance
Comprehensive protection for restaurants, cafes, and food service businesses. From kitchen fires to foodborne illness claims, we cover the unique risks of your business.
Coverage Types for Restaurants
Build a comprehensive insurance package that protects every aspect of your restaurant.
Business Owners Policy (BOP)
Bundled coverage combining property and liability at a great value for restaurants.
General Liability
Covers customer injuries, food poisoning claims, and advertising injury.
Workers Compensation
Required in Florida for restaurants with 3+ employees. Covers kitchen burns, cuts, and injuries.
Commercial Property
Covers your building, kitchen equipment, furniture, and inventory against fire, theft, and storms.
Business Interruption
Covers lost income and operating expenses if your restaurant must close after a covered loss.
Liquor Liability
Required if you serve alcohol. Covers liability from drunk patron incidents.
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Common Restaurant Risks
Understanding these risks helps you choose the right coverage.
Why Choose Greene & Associates?
Food Service Expertise
We understand liquor liability, food contamination risks, and the unique challenges restaurants face.
Health Code Support
Coverage for liability when health code violations occur, protecting your business from costly claims.
Business Interruption
Keep revenue flowing during equipment breakdowns, fires, or forced closures with comprehensive income coverage.
Frequently Asked Questions
What insurance do I need for my restaurant in Florida?
At minimum, you need general liability, workers compensation, and commercial property. Most restaurants benefit from a Business Owners Policy (BOP) which bundles property and liability. If you serve alcohol, you also need liquor liability. Many landlords require proof of insurance before leasing space.
Does restaurant insurance cover food spoilage?
Yes, many commercial property policies cover food spoilage caused by power outages or equipment breakdown. However, standard policies may have limits. Consider adding equipment breakdown coverage for your walk-in coolers, freezers, and HVAC systems.
How much does restaurant insurance cost?
Costs vary based on your type of restaurant, number of employees, revenue, and coverage needs. Most small restaurants pay $3,000-8,000/year. Full-service restaurants with alcohol typically pay more. We shop multiple carriers to find competitive rates.
Do I need liquor liability insurance?
If you serve or sell alcohol, you need liquor liability insurance. Florida dram shop laws hold restaurants liable for damages caused by intoxicated patrons. Many commercial general liability policies exclude liquor liability, so a separate policy or endorsement is typically required.
Related Coverage
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Comprehensive restaurant coverage. Average quote turnaround: same business day.