What Insurance Does a Restaurant Actually Need?

Owning a restaurant is rewarding—but it's also filled with risks. From kitchen fires to food poisoning to employee injuries, just one unexpected event could shut your doors for good. That’s why the right insurance isn’t just recommended—it’s essential.

1. General Liability Insurance
This covers accidents involving customers, like slips, trips, or burns. It also protects you if you're sued for advertising injuries or property damage.

• Example: A customer slips on a wet floor and breaks their wrist—you’re covered.

2. Commercial Property Insurance
Protects your building, kitchen equipment, furniture, and inventory from damage due to fire, vandalism, storms, and more.

• Tip: Even if you lease your space, this coverage is still crucial for the contents you own.

3. Business Interruption Insurance
If a fire forces you to close for repairs, business interruption coverage pays for lost income, rent, and even staff wages during downtime.

• Pro Tip: This can be bundled with property insurance under a Business Owner’s Policy (BOP).

4. Workers’ Compensation
If an employee gets burned, cut, or injured on the job, this covers medical expenses and lost wages—and keeps you compliant with California law.

5. Liquor Liability Insurance (if applicable)
If your restaurant serves alcohol, this protects you if a customer causes damage or injury after being served at your establishment.

• Required by law in many states when holding a liquor license.

6. Food Contamination & Spoilage Coverage
If a fridge breaks down overnight, you could lose thousands in inventory. This coverage reimburses for spoiled goods due to power outages or equipment failure.

Conclusion / CTA
Restaurant insurance isn’t one-size-fits-all. Our brokers at Beyond Your Insurance can customize a protection plan that fits your menu, staff size, and risk level. Let’s keep your doors open—and your reputation protected.