What Types Of Insurance Does My Restaurant Or Bar Need?

Most establishments need General Liability, Property Insurance, Liquor Liability, Workers’ Compensation, and sometimes Cyber Liability. The specific coverage depends on your operations, staff size, and whether you serve alcohol.

Why Is Liquor Liability Insurance Important For My Business?

If your establishment serves alcohol, you can be held liable if an intoxicated patron causes injury or damage after leaving your premises. Liquor liability insurance protects your business from lawsuits, legal fees, and settlements related to alcohol-related incidents.

Is Liquor Liability Included In My General Liability Policy?

No. Standard General Liability policies typically exclude liquor-related claims. Liquor Liability must be added as a separate policy or endorsement if you serve or sell alcohol.

How Much Liquor Liability Coverage Should I Carry?

Coverage needs vary, but many states and municipalities require minimum limits. We generally recommend at least $1 million per occurrence to ensure protection against lawsuits, especially in high-traffic or late-night venues.

What Does Property Insurance Cover For My Restaurant Or Bar?

Property insurance covers your building (if owned), equipment, furniture, signage, and inventory against events like fire, theft, vandalism, and certain natural disasters.

What If I Lease My Restaurant Space—Do I Still Need Property Insurance?

Yes. Even if you don’t own the building, you’re still responsible for insuring your contents, equipment, and any leasehold improvements you’ve made to the space.

Do I Need Insurance For Food Spoilage Or Equipment Breakdown?

Yes. You can add specific coverage for spoilage due to power outages or mechanical failure, as well as equipment breakdown protection for things like walk-in freezers, fryers, or HVAC systems.

How Quickly Can I Get A Certificate Of Insurance For My Landlord Or Vendor?

We provide same-day turnaround on most certificates of insurance so you can stay compliant and avoid business delays.

Are My Employees Covered If They Get Injured On The Job?

Only if you have Workers’ Compensation Insurance, which is legally required in most states. It covers medical costs and lost wages for employees hurt while working.

Can I Update My Policy If I Expand, Renovate, Or Add Delivery Services?

Absolutely. We recommend notifying us of any changes to your operations. We’ll adjust your coverage accordingly to ensure you remain fully protected.

Supplemental Restaurant Insurance | Restaurant Pro Insurance

Issuance of coverage is subject to underwriting. Coverage is not considered bound until confirmation is provided by the issuing insurance company. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Brown, Moore & Endler LLC dba BME Commercial Insurance, Restaurant Pro Insurance LLC and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

Distinguished Restaurant Supplemental

Complete for Property Coverage / Note: Complete this section separately for each location.

Complete for General Liability Coverage Note: Complete this section separately for each location.

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