Restaurant Insurance for Small Business in Food Service
What types of insurance does a restaurant need?
Restaurant Liability Insurance and Business Coverage You Can Trust
Running a restaurant means managing tight margins, high expectations, and constant risk. At Gild, we provide restaurant insurance built specifically for small businesses in the food and beverage industry. Whether you own a café, bistro, food truck, or full-service dining space, we offer flexible options for restaurant liability insurance, commercial restaurant insurance, and general restaurant business insurance. From property damage to customer claims, our policies provide restaurant insurance coverage that keeps your doors open and your team protected. Discover reliable insurance for restaurants, built for the pace of your kitchen.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
Why Restaurant Insurance Is Essential for Everyday Risks
Restaurants operate in high-pressure environments where even minor issues can become costly setbacks. With the right restaurant insurance coverage, you can protect against:
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Property Damage – Fires, leaks, vandalism, or storms that damage your building or equipment.
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General Liability – Customer slip-and-fall claims or food-related illness allegations.
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Equipment Breakdown – Unexpected failures of refrigerators, fryers, ovens, or HVAC systems.
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Business Interruption – Lost income and expenses if you’re forced to close due to a covered event.
Tailored Restaurant Business Insurance for Every Type of Eatery
No two restaurants are alike and neither are their restaurant business insurance needs. That’s why Gild offers packages for the unique offerings of your business:
- General Liability Insurance – Covers property damage and third-party injuries.
- Business Owners Policy– General liability and business property coverage all in one.
- Workers’ Compensation Insurance – Covers medical bills and lost wages for injured employees.
How Much Does Restaurant Insurance Cost?
Restaurant insurance typically ranges from a $500 to $2,000 a year, depending on:
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Business size and number of employees
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Location and local risk factors
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Type of food and services offered
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Alcohol sales and liquor liability requirements
The best way to find your restaurant insurance cost is to get a free, online quote in minutes!
Count on Fast Support for Your Business When the Unexpected Happens
When an incident affects your business, you deserve support that works as hard as you do. Gild’s Claims Concierge helps you navigate the business insurance claims process with speed, clarity, and confidence.
Our team works alongside you to:
- File and manage claims efficiently to minimize downtime and stress.
- Coordinate directly with your insurance provider for faster resolutions.
- Connect you with trusted repair and recovery partners to restore operations quickly.
Our goal is simple: get you back to serving clients and growing your business as quickly as possible. We’re here to keep you steady, supported, and ready for whatever comes next.
Find The Right Restaurant Insurance With Gild
Your restaurant is more than a business, it’s a livelihood and a part of your community. With restaurant insurance from Gild, you can protect your team, your property, and your future. From coverage selection to claims support, our experts are here to help you every step of the way. Get started today with Gild Insurance and keep your restaurant ready for whatever comes next.
Frequently Asked Questions
A solid restaurant insurance strategy includes:
- General Liability Insurance – protects against customer injuries or property damage on-site (like slip-and-falls).
- Product Liability Insurance – covers claims tied to foodborne illnesses or allergic reactions caused by meals served.
- Commercial Property Insurance – covers building, kitchen equipment, furniture, and inventory.
- Business Interruption Insurance – replaces income if you must temporarily close due to a covered event (e.g., fire or storm).
- Workers’ Compensation Insurance – legally required in most states if you have employees, covering workplace injuries and medical expenses.
- Liquor Liability Insurance (if you serve alcohol) – needed to protect against claims related to intoxicated patrons.
What factors affect restaurant insurance premiums?
Premiums are based on several critical factors:
- Restaurant size and revenue: larger operations pay more due to higher risk.
- Location: high-crime or disaster-prone areas carry higher premiums.
- Staffing levels: more employees increase the risk of injury claims.
- Menu and alcohol service: serving alcohol or high-risk items like deep-fried foods increases liability.
- Safety measures: smoke detectors, fire suppression systems, and well-maintained equipment can lower your rates.
With Gild, you’re only paying for what you need—while still getting complete protection for your restaurant’s operation.
How much does restaurant insurance cost?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
Do restaurants need liquor liability insurance?
Yes! If you serve alcohol, liquor liability is crucial:
- Covers claims like property damage or bodily injury caused by intoxicated customers.
- Protects against legal and financial risk if alcohol-related accidents occur.
- Typically required by liquor licensing boards, landlords, and some events venues.
Gild ensures your restaurant is covered wherever alcohol is involved—so you can serve responsibly.
Let’s Get The Best Insurance For Your Place!
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