Restaurant Insurance in North Carolina
Running a restaurant, bar, or café in North Carolina isn’t for the faint of heart. From Charlotte’s busy streets to the laid-back coastal vibe of Wilmington, you’re juggling a lot—staff, customers, and the daily grind. When protecting what you’ve built, you need more than just a cookie-cutter insurance plan.
At Restaurant Pro Insurance, we understand the challenges and the risks you face daily. That’s why we offer solid, straightforward
coverage tailored for North Carolina’s diverse food and beverage businesses, including:
Local Expertise, Comprehensive Coverage for Restaurant Owners
No two places are alike, and neither are their risks. Whether you’re running a BBQ spot in Raleigh or a thriving bar on the Outer Banks, we’ve got insurance options that fit your business like a glove.
General Restaurant Liability Insurance
Your business's defense against third-party claims like property damage and slip and fall accidents; our General Liability Insurance has your back.
Liquor Liability
Serving drinks? Liquor Liability Insurance is a must. We protect you from claims linked to overserved patrons so you can pour without worry.
Workers Compensation
Your team is your backbone. If they get hurt on the job, Workers' Compensation Insurance ensures their medical expenses and lost wages are covered while keeping your restaurant business compliant with North Carolina law.
Commercial Umbrella
An umbrella policy kicks in when the unexpected strikes hard, providing extra coverage beyond your basic plans.
Commercial Auto
Delivering meals, equipment, or running a food truck? Our Commercial Auto Insurance keeps your business vehicles protected from road risks.
Hired & Non-Owned Auto Liability
If your staff uses their own vehicles for food delivery services or business runs, this covers you when things go wrong on the road.
Business Equipment Breakdown
From grills to freezers, when your gear breaks down, we're there to get it back up and running so your kitchen never skips a beat.
Spoilage
Power outage wipes out your inventory? Spoilage Coverage means you don’t eat the cost when the power goes out and your food spoils.
Employment Practices Liability
Claims about workplace harassment or wrongful termination? This coverage covers the restaurant owner when workplace issues arise.
Cyber Liability
In a digital world, your data and customer information need protection. If a cyberattack occurs, our Cyber Liability Insurance helps you recover.
Why Restaurant Pro Insurance?
Customizable Protection
Coverage
Experts
Fast Recovery
Solutions
Reliable Support
Serving North Carolina’s Best
From the heart of Charlotte to the coasts of Wilmington, Restaurant Pro Insurance is your local partner when you need an insurance company you can trust. No matter where you are in North Carolina, we’re here to protect your business with reliable coverage that stands up when things get tough.
Protect Your Business with Restaurant Insurance Coverage from Restaurant Pro Insurance
From covering medical costs for employees injured on the job to protecting your food business with general liability coverage, Restaurant Pro Insurance ensures every aspect of your operation is safeguarded. Whether it’s equipment breakdowns, cyber threats, or auto liabilities, we have you covered. Reach out today for your restaurant insurance quote.