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🌲 Washington · Restaurant & Bar Insurance

Restaurant & Bar Insurance
in Washington

Liquor Liability · General Liability · Property · Workers' Comp — licensed Washington specialists with 20+ years of commercial insurance experience.

📍 Licensed in WA · TX · CA · FL · AZ · GA · DC

Free Washington Quote

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Licensed in Washington
20+ Years Experience
Independent — 6 Carriers Shopped
Liquor Liability Specialists
Same-Day Quotes

Protecting Washington Restaurant & Bar Owners for 20+ Years

Secure Risk Partners is licensed in Washington and specializes in restaurant, bar and tavern insurance across the state. Seattle's vibrant food and nightlife scene creates significant insurance demand — and real liability exposure for every operator.

As an independent agency we shop Hartford, Travelers, Lloyd's of London, Hiscox, Progressive, Guard and more to find you the best coverage at the best price.

📞 Call (469) 983-2600
22,000+
Restaurants in WA
Seattle
Major Market
WSLCB
Liquor Regulator

Washington WSLCB strictly regulates liquor licensing and creates significant liability for restaurants and bars

Washington requires workers' compensation through the state's L&I program for all employers. Washington's dram shop liability is enforced strictly, particularly in Seattle and surrounding areas.

Every Coverage Washington Restaurant Owners Need

We write all of these for Washington restaurant and bar owners — individually or as a complete package.

⚠️ Essential if Serving Alcohol🍻

Liquor Liability

Covers claims arising from alcohol service. Standard GL policies exclude dram shop and liquor-related claims entirely.

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General Liability

Slip and falls, customer injuries, food-related illness claims and third-party property damage.

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Property Insurance

Building, contents, equipment and outdoor dining at replacement cost.

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Workers' Compensation

Washington state L&I workers' comp required — we help ensure complete coverage.

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Business Interruption

Replaces lost revenue and covers continuing expenses when a covered loss forces you to close or reduce operations.

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Crime & Employee Theft

Employee dishonesty and theft coverage — critical in cash-heavy restaurant environments.

We Know Washington Restaurants. We Know Your Risk.

Independent agency. 6 carriers compared. Licensed in Washington and 6 other states.

Hartford
Travelers
Lloyd's of London
Hiscox
Progressive
Guard

Washington Restaurant Insurance FAQ

What coverages does a Washington restaurant owner actually need?
At minimum: general liability, property and workers' compensation. If you serve alcohol, liquor liability is essential. We also recommend business interruption and crime coverage for all restaurant owners.
How does Washington's dram shop law work for restaurants?
Washington holds licensees strictly liable for serving alcohol to minors and liable for serving visibly intoxicated persons who then cause harm. The WSLCB also has the ability to suspend or revoke your liquor license. Liquor liability coverage is essential.
Does general liability cover food poisoning claims?
Yes. General liability covers foodborne illness claims from customers. We make sure your policy includes products and completed operations coverage, which is the specific provision that applies to food service claims.
Do you cover bars and taverns that don't serve food?
Yes. We cover the full spectrum — restaurants, bars, taverns, nightclubs and entertainment venues. Liquor liability is the primary coverage concern and we specialize in placing it for establishments of all types.
How quickly can you get a Washington restaurant quote?
Same day in most cases. We need basic details — location, square footage, annual sales, whether you serve alcohol and current coverage — and we can have options in front of you within hours.
Can you cover a restaurant with a history of claims?
Yes. We work with carriers including Lloyd's of London that consider non-standard risks. Prior claims don't automatically disqualify you. Call us to discuss your situation directly.

Ready for Your Washington Quote?

Give us 15 minutes. We'll show you exactly what you need, what you're missing and what we can do. No obligation.

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💬 Ask Alex
🤖
Alex
SRP Insurance Assistant