Restaurant Insurance Coverage Checklist
Every coverage a restaurant owner needs in one checklist — from liquor liability and equipment breakdown to workers’ comp and business interruption.
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What You'll Learn
- The 8 coverage types every restaurant needs (most owners only have 3–4)
- Liquor liability requirements by state and when you need it
- Equipment breakdown coverage — why standard property policies exclude it
- How spoilage coverage protects your inventory from power outages
- Workers’ comp requirements for kitchen staff vs. front-of-house
Key Takeaways from This Guide
Equipment breakdown
is excluded from standard property policies. A single commercial oven or walk-in cooler failure can cost $10,000–$30,000 to replace.
1 in 3 restaurants
face a liability claim in their first 3 years. Proper GL and liquor liability coverage is the difference between a claim and a closure.
Spoilage coverage
typically costs under $200/year and covers thousands in lost inventory from refrigeration failures or power outages.
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No obligation · Free quotes · Licensed in 29 States