My Restaurant Insurance
Get a Restaurant Insurance Quote in 5 Minutes – Covering Property, Business Personal Property, Liquor Liability (up to 50%), General Liability, Business Interruption, and more!
“Affordable coverage solutions to protect your restaurant – including up to 50% liquor liability, optional hired and non-owned auto, and workers’ compensation insurance.”
Overview of Services
At MyRestaurantInsurance.com, we offer comprehensive insurance packages uniquely crafted for restaurants, bars, cafés, and other food service businesses. Our quick, customized quotes provide the coverage you need to operate with confidence.
Essential Coverage for Restaurants
Critical Coverage Every Restaurant Needs
BOP Coverage
Protects Real Property, Business Personal Property, General Liability, Loss of Income, Liquor Liability and (Optional) Hired & Non-Owned Auto.
Workers' Compensation
Covers employee injuries on the job.
Hired and Non-Owned Auto
Provides coverage for employees or contractors using personal vehicles for business-related tasks.
Fast Pricing and Personalized Quotes
Quick & Easy Transaction Steps
Application
Fill out our quick online application or speak to a representative to get a quote within minutes.
Payment
Securely pay online using your credit card.
Policy Issuance
Receive your policy details minutes after payment.
Emphasize Speed
It's that quick and easy! Start protecting your business today.
Testimonials
5.0 507reviews
Thank you for you exceptional professional and courteous services over the last years.
Pascal Burke makes it easy and pain free to Insure Businesses.
Very helpful and patient
Courteous and knowledgeable.
I’m satisfied overall
easy and friendly
Protecting Your Restaurant with A-Rated Insurance Carriers
Your security and peace of mind are our top priorities. That’s why we partner exclusively with A-rated, financially sound insurance companies—the highest standard in the industry. Rest assured, your coverage is backed by trusted carriers known for their strength, reliability, and commitment to protecting businesses like yours.
MyRestaurantInsurance.com – Where Restaurant Owners Go to Get Insured.
Frequently asked questions
General Insurance FAQs
What is a Business Owners Policy (BOP), and how does it benefit my restaurant?
A BOP is an all-in-one policy that combines property, general liability, and business interruption insurance. It protects your restaurant from common risks like property
damage, lawsuits, and income loss due to closures.
What is Business Personal Property (BPP) coverage, and what does it include?
BPP covers movable items such as kitchen equipment, furniture, electronics, and inventory against damage or theft.
Do I need to insure the building if I’m renting or leasing it?
No, the landlord is typically responsible for insuring the building. However, you need
coverage for your own property and any improvements you’ve made to the space.
What is Property Insurance, and when do I need it for my restaurant?
Property insurance covers physical assets like your building, equipment, and inventory.You need it to protect against risks like fire, theft, or vandalism.
What does General Liability Insurance cover, and is it required for my restaurant?
General Liability Insurance covers third-party bodily injury, property damage, and personal injury claims. It is essential for all restaurants as it protects against lawsuits from customers or vendors.
What happens if a customer slips and falls in my restaurant?
General Liability Insurance covers medical costs and legal fees associated with a customer injury.
What is Liquor Liability Insurance, and do I need it if I serve alcohol?
Liquor Liability Insurance covers claims involving injuries or damages caused by alcohol service, such as over-serving customers. It’s required if you serve alcohol.
What is the difference between General Liability and Liquor Liability Insurance?
General Liability covers general risks like slips and falls, while Liquor Liability specifically covers alcohol-related incidents.
Does General Liability Insurance cover foodborne illnesses?
Yes, it can cover claims of foodborne illnesses if customers get sick from eating at your restaurant.
What is Business Interruption Insurance, and how does it work?
Business Interruption Insurance compensates for lost income and ongoing expenses if your restaurant must close temporarily due to a covered event, like a fire or natural
disaster.
What is Equipment Breakdown coverage, and is it included in a BOP policy?
Equipment Breakdown covers repairs or replacements for kitchen equipment that fails due to mechanical issues. It can often be added to a BOP.
Does a BOP policy include coverage for theft of equipment or inventory?
Yes, BOP policies typically include coverage for theft of equipment and inventory.
What is spoilage coverage, and does it protect my food inventory?
Spoilage coverage protects perishable goods, like food and beverages, that are lost due to power outages or equipment failure.
Are outdoor signs, fences, and landscaping covered under a BOP?
Some BOP policies include limited coverage for outdoor property, but additional coverage may be needed for higher-value items.
Does my BOP policy cover natural disasters, such as floods or earthquakes?
Standard BOP policies do not cover floods or earthquakes. You will need separate policies for these risks.
What optional coverages can be added to a BOP policy for my restaurant?
Optional coverages include liquor liability, equipment breakdown, cyber liability, spoilage coverage, and employee dishonesty insurance.
Is Liquor Liability Insurance included in a BOP policy?
No, liquor liability is not included in a standard BOP and must be purchased separately.
Workers’ Compensation Insurance
What is Workers’ Compensation Insurance, and is it required for my restaurant?
Workers' Compensation covers medical expenses and lost wages for employees injured
on the job. It is legally required in most states if you have employees.
How does Workers’ Compensation Insurance protect my employees and my business?
It provides financial protection for employees' medical bills and lost wages while protecting your business from lawsuits related to workplace injuries.
What types of employee injuries are covered under Workers’ Compensation?
Common injuries like burns, slips, and repetitive strain injuries are covered if they occur during work.
Does Workers’ Compensation cover delivery drivers and part-time employees?
Yes, Workers’ Compensation covers all employees, including part-time workers and delivery drivers.
What happens if I don’t have Workers’ Compensation coverage?
You may face fines, lawsuits, and liability for all medical and wage costs if an employee
is injured.
How do I report an employee injury, and what is the claims process?
You must report the injury to your Workers’ Compensation insurer immediately. They will guide you through submitting documentation and processing the claim.
Are illnesses caused by working conditions covered under Workers’ Compensation?
Yes, illnesses caused by workplace conditions, such as respiratory issues from chemicals, are covered.
Cyber Insurance
What is Cyber Insurance, and why do restaurants need it?
Cyber Insurance protects against data breaches, ransomware, and hacking, which are common risks for restaurants handling credit card transactions.
What types of cyberattacks are covered under Cyber Insurance?
Cyber Insurance covers hacking, ransomware, phishing, and data breaches.
Does Cyber Insurance cover costs for notifying customers after a data breach?
Yes, it typically covers the cost of notifying affected customers and offering credit monitoring services.
Are ransomware attacks and payments covered under Cyber Insurance?
Many policies cover ransomware attacks, including payments, as long as they are legally allowed.
What should I do if my POS system is hacked or compromised?
Notify your insurer immediately, disconnect the affected systems, and work with IT specialists to assess the breach.
Employment Practices Liability Insurance (EPLI)
What is EPLI, and why do restaurants need this coverage?
EPLI protects against employee claims, such as wrongful termination, discrimination, harassment, or wage disputes.
Does EPLI cover wage and hour violations?
Some policies may provide limited coverage for wage disputes, but it depends on the terms of the policy.
How can I reduce the risk of EPLI claims in my restaurant?
Implement clear HR policies, provide employee training, and document disciplinary actions to minimize risks.
What legal costs does EPLI cover if an employee files a claim?
EPLI typically covers attorney fees, settlements, and judgments up to the policy limit.
Delivery and Auto Insurance
What insurance do I need if my restaurant offers food delivery?
You need Hired and Non-Owned Auto Liability Insurance to cover accidents involving employee-owned vehicles used for deliveries.
What is Hired and Non-Owned Auto Liability Insurance?
It covers liability for vehicles not owned by your restaurant but used for business purposes, like employee cars for delivery.
Risk Management and Claims
What steps can I take to minimize risks in my restaurant?
Conduct regular safety inspections, train employees on safety protocols, and maintain equipment properly.
How do I handle claims if a customer gets sick from eating at my restaurant?
Notify your insurer immediately and provide documentation, such as food preparation logs and receipts.
What insurance covers employee theft or dishonesty?
Employee Dishonesty Insurance covers theft or fraud by employees.
Special Coverages for Restaurants
What is Tenant Improvements and Betterments Coverage, and why do I need it?
This covers improvements you’ve made to a leased space, such as a new kitchen or seating area.
What is Umbrella Liability Insurance, and should I consider it for my restaurant?
Umbrella Liability Insurance provides extra liability coverage beyond your General Liability policy, which is essential for high-risk businesses like restaurants.