Restaurant Insurance

Restaurant insurance protection for the
restaurant or deli owner.
Call 1-877-334-7646 to speak with a Business Specialist

Does your restaurant need insurance?

If you own a restaurant, you know, without propert insurance, a minor incident can create large financial consequenses. Restauant insurance policies are designed for the unique risk the restaurant owners undertakes, and protects your small business from financial disaster. A restaurant policy the business find coverage for food spoilage, kitchen fires, and other costly risks inherent to restaurant operations.
Restaurant Insurance

What is your risk management plan?

No restaurant business is immune from risk. Fast food, deli or fine dining establishments all need to consider the best ways to manage their inherent risk.

Are you properly prepared for an equipment breakdown, a claim of foodborne illness, or an employee injury? These all happen at any restaurant. When they do, the result is typically a loss of income or legal expenses – the bottom line – your business can be harmed or even closed.

Restaurant insurance doesn’t prevent these incidents, but it does help transfer that risk away from your financials.

What is the right insurance coverage for your restaurant?

These types of insurance provide coverage for the most common risks businesses in the restaurant industry face.

Business Owner’s Policy

This policy bundles property insurance and general liability insurance under one plan. It’s one of the most popular and cost-effective options for a restaurant.


  • Food contamination and spoilage
  • Damaged commercial property
  • Business interruption incidents

Worker’s Compensation

Workers’ comp is required in almost every state for restaurants with employees. It can help cover medical fees and lost wages for work-related injuries and illnesses.


  • Employee medical expenses
  • Missed wages
  • Legal costs

General Liability

This general insurance provides important coverage and financial protection from risks that arise from bodily injury and property damage claims of others.


  • Customer bodily injuries
  • Damaged customer property
  • Product liability lawsuits

Commercial Auto

This policy covers the cost of accidents involving restaurant delivery vehicles, as well as the cost of vehicle damage from theft and vandalism.


  • Food contamination and spoilage
  • Damaged commercial property
  • Business interruption incidents

Liquor Liability

This policy covers legal fees, property damage, and medical costs if alcohol is served or sold at a restaurant to a visibly intoxicated person who then harms others.


  • Food contamination and spoilage
  • Damaged commercial property
  • Business interruption incidents

How much does restaurant insurance cost?

Restaurant Insurance Cost

Monthly restaurant insurance costs are based on your particular small business, including:

  • Restaurant equipment and property
  • Services offered by your restaurant
  • Revenue
  • Location
  • Number of employees

Let’s Start a Restaurant
Insurance Quote

You provide us your information once and we’ll shop the
market for you. It’s fast, safe and secure.

Call 877-334-7646 to speak with a business specialist.

Copyright IronPoint Insurance Services, LLC | California License No. 0G87821 | PO Box 62436, Irvine, CA 92602 | 877.334.7646

IronPoint Insurance Services, LLC is an independent insurance agency licensed (#0G87821) with the California Department of Insurance. We are authorized agents for many A+ rated Arizona, California, Colorado, Nevada and Utah insurance companies. We provide consumers with online, phone, and in-person insurance services through our insurance company relationships.

IronPoint Insurance Services, LLC offers multiple insurance quotes through ComparisonQuote.com to provide consumers several options for their insurance products. We offer auto insurance through Travelers Insurance Companies, Nationwide Insurance, Safeco Insurance, MetLife Auto & Home, and Progressive. We are authorized insurance agents for these companies and do not charge any fees for our services. If an IronPoint insurance agent tries to charge you broker or agency service fees for representing these companies, please contact us immediately.

Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company, a New York insurance company, or Independence American Insurance Company, a Delaware insurance company headquartered at 485 Madison Ave. 14th Fl. New York, NY 10022.

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