Serving guests
Customer injuries and allegations involving food can raise liability questions. Alcohol service requires its own review.
BUSINESS INSURANCE / RESTAURANTS
Protect the work that happens before the first table fills.
The kitchen, the dining room, the team, the regulars. Restaurant insurance deserves a view of the whole operation. We’ll help you look at coverage around how you serve, staff, and keep the doors open.
THE WORK BEHIND THE BUSINESS
Insurance for restaurants.
Grounded in your day to day.
A neighborhood dining room, a late-night bar, and a takeout kitchen are different businesses. Hours, alcohol service, delivery, cooking equipment, and events all help shape a useful insurance review.
Keeping the kitchen running
Fire, equipment failure, and spoiled stock are not all treated alike. Ask how property, equipment breakdown, and spoilage fit together.
An interruption to service
A closure can leave expenses behind. Review business income conditions, waiting periods, and the time it could take to reopen.
A PLAN WITH THE RIGHT PIECES
Coverage that deserves a closer look.
Start with the risks behind your work. We’ll help you explore available options, understand the differences in terms and choose the pieces that make sense for your business.
Business Owner’s Policy (BOP)
See how property and liability may fit together in a package for eligible businesses.
Explore this coverageGeneral Liability Insurance
Review third-party injury, property damage, and the activities described in your policy.
Explore this coverageWorkers’ Compensation Insurance
Review the work your team performs, payroll, and the locations where they work.
Explore this coverageCommercial Auto Insurance
Look at vehicles, drivers, and business use, including hired and non-owned auto questions.
Explore this coverageThese are starting points for a review, not a complete list or a promise of coverage. Policy terms, exclusions and insurer eligibility apply.
AS YOUR BUSINESS CHANGES
Keep the plan current as the menu grows
Adding alcohol service, delivery or private events changes how a restaurant operates. So can a new cooking method or a larger refrigeration inventory.
Bring the lease, equipment values and a picture of your busiest trading periods. We’ll help you consider the dining room, kitchen and income you rely on, including where separate coverage questions need attention.
Talk through your next stepA QUOTE THAT STARTS WITH YOU
What goes into your insurance quote?
Two businesses in the same industry can need very different plans. Alongside your location, claims history, limits and deductibles, these details help shape the conversation.
- Cooking methods, hours and alcohol sales
- Delivery arrangements and private events
- Equipment values, payroll and annual sales
A LITTLE MORE CLARITY
Your questions.
A useful starting point.
Need to talk through something specific?
Ask Ironhill ↗Does general liability include liquor liability?
Do not assume it does. Explain whether you sell, serve, or allow alcohol so appropriate coverage can be discussed.
Is food spoilage automatically covered?
No. The cause of spoilage, endorsements, limits, and equipment conditions matter. Bring details of your refrigeration and stock values.
What affects the cost of insurance for restaurants?
Pricing depends on the work you do, where you operate, your claims history and the coverage you select. Details such as cooking methods, hours and alcohol sales, delivery arrangements and private events, equipment values, payroll and annual sales help an insurer assess your business. We’ll help you compare the available terms as well as the premium.
Can I request a quote before I have every document?
Yes. Start with your business activities and the information you have. We can help identify what else is needed to explore options. Submitting a request does not put insurance in force.
A CLEAR NEXT STEP
Start with a conversation.
Leave with a clearer picture.
- 01
Tell us about the business.
Share what you do, where you work, and what prompted you to look at insurance.
- 02
Work through the details.
We’ll help identify coverage questions, documents to gather, and options to explore.
- 03
Decide with the details in view.
Review the available terms, limits, and costs before choosing your next step.
YOUR NEXT STEP
Let’s put your business in the picture.
Starting out, approaching renewal, or taking on something new? Tell us where you are. We’ll help you work through what comes next.
Coverage options depend on your operations, location, and insurer eligibility. A request does not bind coverage.