Restaurant & Bar Insurance
Restaurant Insurance Checklist
Before insuring a restaurant, confirm you have general liability, liquor liability if you serve alcohol, property at full replacement cost, business income, equipment breakdown, spoilage, and workers’ comp — and have your sales figures, liquor license, statement of values, hood inspection date, payroll, and loss runs ready. The checklist below covers both the coverages to confirm and the documents to gather so your quote is fast and accurate.
📍 Serving restaurants and bars from our Dallas headquarters · Licensed in TX · CA · FL · AZ · GA · WA · DC
Get a Free Quote Today
We respond within one business hour.
🔒 Your info is never shared or sold
✓ 20+ Years Commercial Experience
✓ Restaurant & Bar Specialists
✓ 6 Top Carriers Shopped for You
✓ Independent — We Work for You
✓ Same-Day Quotes Available
Quick Answer
Before insuring a restaurant, confirm you have general liability, liquor liability if you serve alcohol, property at full replacement cost, business income, equipment breakdown, spoilage, and workers’ comp — and have your sales figures, liquor license, statement of values, hood inspection date, payroll, and loss runs ready. The checklist below covers both the coverages to confirm and the documents to gather so your quote is fast and accurate.
Checklist
Coverages to Confirm
| Coverage |
Confirm you have it |
| General liability |
Customer injury exposure covered at adequate limits. |
| Liquor liability |
Separately in force if you sell or serve alcohol — not assumed. |
| Commercial property |
Buildout, kitchen equipment, furniture, and POS at replacement cost. |
| Business income |
Enough months of coverage to actually rebuild after a fire. |
| Equipment breakdown |
Walk-ins, refrigeration, and HVAC mechanical failure. |
| Spoilage |
Inventory loss when refrigeration fails. |
| Workers’ comp |
In place for kitchen and front-of-house staff. |
| Commercial auto |
In place if you deliver or cater off-premises. |
Key Factors
What Really Drives the Decision
Coverage first
Work top-to-bottom through the core coverages and confirm each is actually in force — especially liquor liability, which general liability commonly excludes.
Documents second
Having sales split by food and alcohol, your license, a statement of values, hood inspection date, payroll, and loss runs ready is what turns a multi-day quote into a same-day one.
Limits last
Once coverage and documents are set, decide the liability, business income, and umbrella limits that match your exposure.
What Coverage to Review
Make Sure These Are in Place
✓
General liability at adequate limits.
✓
Liquor liability confirmed in force if you serve.
✓
Property at full replacement cost including buildout.
✓
Business income sized to a real rebuild timeline.
✓
Equipment breakdown for refrigeration and HVAC.
✓
Spoilage for inventory.
✓
Workers’ comp for all staff.
✓
Umbrella / excess for catastrophic claims.
Checklist
Have This Ready for a Fast Quote
-
Annual food sales and annual alcohol sales, separately
-
Copy of your liquor license and permit type
-
Statement of values: buildout, kitchen equipment, furniture, POS
-
Hood-and-suppression system inspection date
-
Annual payroll by role
-
Square footage and seating capacity
-
Hours of operation, including any late-night service
-
Whether you deliver or cater off-premises
-
3–5 years of loss runs
-
Desired liability, business income, and umbrella limits
Our Carrier Partners
We Shop All 6. You Get the Best Deal.
Independent means we work for you — not the carriers.
Hartford
Travelers
Lloyd’s of London
Hiscox
Progressive
Guard
Quick Questions
What’s the one item owners most often miss?
Liquor liability. Many assume alcohol claims fall under general liability when that policy usually excludes them — confirm it is explicitly in force as its own coverage.
What documents speed up my quote?
Sales split between food and alcohol, your liquor license, a current statement of values, your hood inspection date, payroll, and 3–5 years of loss runs. With those in hand we can often quote same-day.
How much business income coverage should I carry?
Enough to cover the realistic time to rebuild and reopen, which after a serious kitchen fire is often several months. Underbuying here is one of the most common and most costly gaps.
Do you work with multiple carriers?
Yes. We’re independent and shop Hartford, Travelers, Lloyd’s of London, Hiscox, Progressive, and Guard so you get the best available terms.
How fast can I get a quote?
Often same-day. Submit the form or call (469) 983-2600 and we respond within one business hour.
Get a Restaurant Quote
Free, no-obligation quote. We respond within one business hour.
✓20+ years commercial insurance experience
✓Independent — we shop 6 top carriers for you
✓Restaurant & Bar Specialists
📞 (469) 983-2600
Request a Free Quote