Restaurant Insurance

For a passionate restaurant owner, running a small business and serving your customers can be incredibly rewarding.

Of course, owning a restaurant comes with a certain amount of risk as well. Restaurants, bars, and bakeries carry a unique set of hazards to employees, patrons, and even business property that may be alleviated through proper restaurant insurance coverage.

If you own a small business in the restaurant industry, such as a deli, cafe, pizzeria, bar, coffee shop, or bakery, your employees may face hazards such as burns, cuts, slips, and falls. Your customers could become ill from contaminated or improperly handled food. Your establishment could be damaged due to fire or catastrophic weather.

Fortunately, when you carry the right types of restaurant insurance, your customers, employees, and small business property may be covered.


What type of work needs restaurant insurance?

  • Coffee shops and tea houses

  • Delis and sandwich shops

  • Food trucks, pop-ups, and fast-food restaurants

  • Bistros, cafes, and eateries

  • Bars, pubs, and taverns

  • Family and fine dining restaurants

  • Bakeries and pastry shops

  • Caterers and food delivery services

  • And more…

What are common types of restaurant insurance?

Workers’ comp

Workers’ compensation insurance, also called workman’s comp, helps protect restaurant small businesses and employees if they become ill or injured on the job. Get a quote in 3 minutes.

Business owner’s

A business owner’s policy (BOP) is bundled insurance that may include business interruption insurance, property insurance, and liability coverage for a restaurant small business.

Commercial auto

Commercial automobile insurance is a type of policy that helps cover liability and physical damage for vehicles—such as cars, trucks, and vans—that are owned and operated by a restaurant small business.

Cyber risk

Cyber risk insurance, also called cyber liability insurance, helps cover restaurant small businesses for an event like a data breach—in which customer, employee, or company information is stolen or compromised.

Errors & omissions

Errors and omissions (E&O) insurance helps protect a small business against claims by third parties who believe they were harmed due to advice or services the restaurant business provided.

General liability

General liability insurance is a type of policy that helps protect a restaurant small business against third-party claims that involve property damage, bodily injury, or advertising injury.

Professional liability

Professional liability insurance helps protect a restaurant small business against claims by third parties who believe they were harmed due to advice or services the business provided.

Small group health

Small business group health insurance may be provided by a restaurant small business to its employees to help them cover wellness costs—often including medical, dental, and vision care.

Specialized Coverage

Additional specialized insurance policies—coverage types that are specific to the restaurant industry a small business operates within—may be built into a business owner’s policy or purchased separately.

Pie provides workers’ comp insurance for restaurant businesses. Learn more.