Restaurant Insurance — Coverage, Cost & Requirements
BOP + liquor liability + workers' comp for full-service restaurants and dining establishments.
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What Coverage Does Restaurant Insurance Include?
Most restaurant businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
BOP
Business Owners Policy bundles general liability + commercial property at a discounted rate. Ideal for small businesses.
Liquor Liability
Required for businesses serving alcohol. Covers liability from intoxicated customers.
Workers Comp
Required in most states. Covers medical expenses and lost wages for employees injured on the job.
Food Spoilage
Covers inventory losses from power outages, equipment failure, or contamination.
Umbrella
Adds a layer of protection above your primary policy limits — typically $1M–$5M additional.
How Much Does Restaurant Insurance Cost?
The cost of restaurant insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.
⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.
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