Business Owners Policy
Property and liability coverage built around the restaurant location and its operations.
Restaurant Business Insurance
Protect your restaurant's property, liability and alcohol sales with one application. We request quotes for you.
We shop the market for you, no broker fees
How it works
One short form
A few questions about your business or home.
We shop the market
We compare carriers and read the forms line by line.
Quote and bind
We pick the best policy and get you covered.
A restaurant is more than its sales total
A restaurant has a larger story to tell than what appears on the menu board once it is removed from view. Cooking, alcohol, hours, delivery and building protection can change the available route. Start with the business class. The broker will request the restaurant, property and alcohol details needed by the markets that fit your operation.
Cooking and fire protection
Cooking equipment, hood service, suppression systems, sprinklers and alarms describe how the location controls its largest property exposure.
Alcohol and entertainment
Alcohol sales, service hours, live entertainment and access controls affect liability review and the available policy structure.
Building and contents
Construction, year built, equipment, inventory and business income values establish what must be protected at the premises.
New ventures
Some markets consider new restaurants. Give projected sales and operating details when asked.
Restaurant risks this intake is designed to review
- Full service and limited service restaurants
- Cafes, bakeries and delicatessens
- New ventures and established locations
- Restaurants that serve alcohol
- Locations seeking property and liability coverage together
Coverages that go with it
Liquor Liability in an Eligible Package
Some restaurant packages include liquor liability, subject to the carrier’s alcohol-sales and operational requirements. Standalone liquor coverage is not promised.
What changes your premium
These details help insurers assess your business and price the coverage. Terms and available options vary by insurer.
- Restaurant type and cooking operations
- Alcohol sales and service hours
- Building construction and protection systems
- Annual sales, payroll and prior losses
- Property, equipment and business income values
Questions we get asked
Why does the form ask about hours and cooking equipment?
Those facts describe public foot traffic and fire exposure. Start with the business class; the broker may request cooking and operating details during the restaurant package review.
Can I start if the restaurant is a new venture?
Some markets consider new ventures. Start with your business class and provide projected sales and operating details when requested; availability depends on the carrier.
Can you write this where my business is?
We offer coverage in the states where we are licensed. Begin a quote with the address of your business or risk, and we'll let you know which markets can write that location before you spend much time on the questions.
What happens after I start a quote?
Tell us about the coverage you need and complete the application. We use those details to approach suitable markets and may ask follow-up questions. Requesting a quote does not put coverage in force.
Start your quote online.
Fill in one short form or call us. No broker fees.