Comprehensive protection for every type of food service operation.

Coverage options crafted specifically for the food service industry.

From neighborhood cafes to multi-location restaurant groups, we protect the businesses that feed our communities.

Understanding restaurant insurance.

Running a restaurant is one of the most challenging businesses in America. You’re juggling food costs, labor issues, customer satisfaction, and a million other details every single day. Your insurance shouldn’t add to that stress—it should give you peace of mind.

At The Coverage Kitchen, we specialize exclusively in protecting food service operations. We understand the unique risks you face, and we have access to multiple carrier options to ensure you get comprehensive coverage at competitive rates.

Essential restaurant insurance coverages.

General Liability Insurance

Protects your business when customers are injured on your premises or claim your food made them sick. This is your first line of defense against slip-and-fall claims, foodborne illness allegations, and other customer-related incidents. We ensure your limits are adequate for your specific operation and location.

Liquor Liability Insurance

If you serve, sell, or allow alcohol consumption on your premises, you need liquor liability coverage. This protects you when an intoxicated patron causes injury or property damage after leaving your establishment. Standard general liability policies specifically exclude liquor-related claims—don’t get caught without this critical coverage.

Property Insurance

Covers your building (if you own it), equipment, inventory, furniture, fixtures, and improvements. We make sure your policy includes proper valuation for your commercial kitchen equipment, which can be substantially undervalued by general commercial property policies. We also ensure you have adequate coverage for food spoilage and equipment breakdown.

Workers’ Compensation Insurance

Required in most states, workers’ comp protects your employees when they’re injured on the job and protects your business from employee lawsuits. Restaurant work is physically demanding, and kitchen injuries are common. We specialize in securing competitive workers’ comp rates for food service operations and can help you implement safety programs to reduce your premiums.

Business Interruption Insurance

Covers lost income and ongoing expenses when your restaurant is forced to close due to a covered loss. A kitchen fire, equipment breakdown, or utility failure during your busiest season could devastate your finances. This coverage keeps you afloat while you recover and rebuild.

Specialized Restaurant Coverages

Food Contamination & Spoilage

A power outage, equipment failure, or refrigeration breakdown can destroy thousands of dollars in inventory within hours. Standard property policies often have limited spoilage coverage. We ensure you have adequate protection for your specific inventory levels and type of cuisine.

Cyber Liability & Data Breach

Your POS system stores customer credit card information, making you a target for data breaches. Modern restaurants also face risks from online ordering systems, reservation platforms, and employee data storage. Cyber liability coverage protects you from notification costs, legal fees, and potential lawsuits when customer data is compromised.

Employment Practices Liability (EPLI)

Restaurant employment practices claims are on the rise. EPLI protects you from lawsuits alleging discrimination, wrongful termination, harassment, or wage and hour violations. With high employee turnover and challenging labor markets, this coverage is increasingly essential for restaurant owners.

Commercial Auto Insurance

If you operate delivery vehicles, catering vans, or company cars, you need commercial auto coverage. Personal auto policies won’t cover business use, and the gap in coverage could be financially catastrophic.

Umbrella Liability

Provides additional liability coverage above your primary policies. When you’re serving food and alcohol to the public, higher liability limits aren’t just smart—they’re essential. An umbrella policy is one of the most cost-effective ways to significantly increase your protection.

Coverage for Every Food Service Operation

Full-Service Restaurants

Comprehensive programs including liquor liability, employment practices coverage, and high property limits for extensive kitchen equipment and build-outs.

Fast Casual & Quick Service

Streamlined coverage focused on high customer volume risks, delivery operations, and efficient workers’ compensation programs.

Food Trucks & Mobile Vendors

Specialized mobile food service policies covering vehicle operations, equipment, commissary operations, and event liability.

Bars & Taverns

Enhanced liquor liability programs, assault and battery coverage, security requirements, and specialized entertainment liability options.

Catering Operations

Off-premises coverage, spoilage protection during transport, equipment floaters, and event-specific liability coverage.

Cafes & Coffee Shops

Right-sized coverage for smaller operations with lower liability exposure but essential property and equipment protection.

Multiple Carrier Options for Competitive Pricing

We’re not captive to a single insurance company. We work with multiple carriers who specialize in restaurant insurance, including those offering:

Protect the property your restaurant is on.

One of the most important parts of many restaurants is the property it is located on. For that reason, most restaurants will usually cover risks to property, such as the building and equipment, along with liability to customers and staff.

The complexities of restaurant insurance.

Aside from property liability coverage, there’s an important difference to note between general liability, such as a customer slipping on a spilled drink, and professional liability, such as a bout of food poisoning from bad food or inadequate preparation. General liability may cover patrons who are injured on your property, as well as property damage, and may also protect you from potential lawsuits. Professional liability, on the other hand, may protect your restaurant if someone gets sick from spoiled food products.

This multitude of options means we can find the right coverage at the right price—whether you’re opening your first location or managing a restaurant group.

Value-Added Services

Many of our carrier partners offer additional benefits at no extra cost:

The Restaurant Risk Recipe™

Every restaurant has a unique “risk recipe”—a combination of location, cuisine, service style, alcohol sales, and operational factors that determines what coverage you actually need. We’ve developed The Restaurant Risk Recipe methodology that identifies your specific ingredients for proper protection.

Your Risk Recipe includes factors like:

We then match your Risk Recipe to the carriers and coverages that make sense—not just what’s easy to sell.

The “Friday Night Test”

Here’s our signature question: “If the worst possible thing happened on your busiest Friday night, would your current insurance cover it?”

Power outage during dinner rush? Spoiled inventory? Employee injury? Customer slip-and-fall? Data breach on a holiday weekend? Kitchen fire?

We call this The Friday Night Test, and we put every policy through it because that’s when restaurants are most vulnerable—and when generic insurance falls short.

Let’s Build Your Coverage Menu

Every restaurant is different. Your coverage should be too. We don’t believe in one-size-fits-all policies or unnecessary add-ons. We take the time to understand your operation, analyze your specific risks, and craft a coverage strategy that makes sense for your business and your budget.

Contact The Coverage Kitchen today for your complimentary Restaurant Risk Recipe analysis and Friday Night Test. Let’s serve up coverage that actually protects your business—not just your agent’s commission.