What Kind of Insurance Does a Restaurant Need?

What kind of insurance do you need for a restaurant?

A restaurant has a lot of basic upkeep costs and overhead, but you can’t forget insurance. Here are the types of insurance a restaurant needs to run safely.

Starting a restaurant is a great business venture, but you can’t cut corners when doing it. You need to cover all your bases to make sure you can get off the ground and stay afloat. One of the most important steps in setting up a restaurant is to get the right insurance. We’ll talk about the various kinds available to you here.

Business Property

Business property insurance is perfect for anyone with a physical location, which is a necessity for a restaurant. This covers all the property and anything in the building, which can save you a lot of money if something happens, such as a fire.


When you have a constant stream of people coming in and out of your building, something will happen, and someone will get hurt. Even a simple trip and fall can be costly, as they can sue you for all the damages. Liability insurance covers any of these incidents and can make a huge difference if you’re at fault.

Workers Compensation

When it comes to what you may need, very little is as important as workers comp. You want to do everything possible to protect your employees. It’s a legal requirement in many states, and your workers will trust you more and work harder if you offer them better protection.

Commercial Vehicle

When you think of the types of insurance a restaurant may need, commercial vehicle insurance may seem odd. However, commercial insurance is different than standard insurance since it covers your work vehicles and drivers. This is essential if you offer delivery services or need to pick up your own stock.

If you can invest in these plans, do so. You’ll better protect your business with each one and avoid many of the pitfalls that hurt businesses early on. Additionally, your state may require additional coverages, so make sure you have those in your plan as well.

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