Restaurant
Insurance

Save up to 30% on your business insurance

Satisfy your insurance appetite with affordable restaurant coverage!

If you are a restaurant owner, you know how important it is to have the right restaurant insurance. Coverage Cowboy can help you secure food, liquor, property, and liability insurance to protect you from a variety of risks.

We understand that your restaurant is your livelihood and have tailor-made insurance solutions to cover your business from any eventuality. With Coverage Cowboy, you can count on us to serve up protection for your restaurant.
  • General Liability
  • Workers' Compensation
  • Commercial Auto
  • Commercial Property

We’ll help you get the insurance coverage you need for your business.

See the different policies available for Restaurant businesses and save up to 10% when you bundle!

general-liability

General Liability

Bought by 95% of business owners like you

General liability insurance is important for restaurants to protect themselves from potential lawsuits. It covers bodily injury and property damage, as well as advertising and personal injury claims, making it essential for any restaurant. For example, if a customer slips and falls in the restaurant, general liability insurance can cover the medical bills and any legal expenses.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

Commercial auto insurance provides coverage for vehicles owned or leased by a restaurant, such as delivery cars. This type of insurance covers physical damages to the vehicle, as well as damages to other people’s property and medical bills for anyone injured in an accident. It also provides protection for the restaurant if an employee is held liable for an accident while on the job.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Workers’ compensation insurance is important for restaurants to protect their employees. It covers medical expenses and lost wages in the event of a work-related illness or injury. This type of insurance ensures that employees can get the care they need without putting the financial burden on the restaurant owner. It also helps protect the business from potential lawsuits related to employee injuries.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners that own or rent physical spaces

Commercial property insurance protects restaurants from financial losses due to damage to their building, equipment, furniture, and inventory. It also covers lost income if the restaurant has to close due to a covered event, ensuring businesses won’t suffer a major financial setback. This type of insurance is essential for restaurants that own their building, making it a cost-effective way to protect their assets.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Frequently Asked Questions about Restaurant business insurance

How does business insurance protect me?

Business insurance can protect restaurants from a variety of potential risks, such as property damage, liability claims, and business interruption. Here are a few examples of how different types of business insurance can provide protection for a restaurant:
Liability insurance: This type of insurance can protect a restaurant from lawsuits stemming from injuries or accidents that occur on the property. For example, if a customer slips and falls on a wet floor and sustains injuries, the restaurant could be held liable for the damages. Liability insurance can help cover the cost of legal fees and any settlements or judgments awarded to the injured party.
Property insurance: This type of insurance can protect a restaurant from damage to its building, equipment, and inventory. For example, if a kitchen fire damages the building and equipment, property insurance can help cover the cost of repairs or replacement. Similarly, if the restaurant’s inventory of food is spoiled due to a power outage, the policy may cover the cost of replacing it.
Business interruption insurance: This type of insurance can provide coverage if the restaurant is forced to close temporarily due to a covered loss. For example, if a kitchen fire damages the building and the restaurant is closed for repairs, business interruption insurance can help cover lost income and expenses, such as payroll, during the closure period.
Workers Compensation: This type of insurance provides protection and medical coverage for employees that get injured or falls ill in connection to the work they are performing.

What do I need to get an insurance quote?

Getting a quote from Coverage Cowboy is a breeze! All you need to do is gather a bit of information about yourself and your insurance needs, and we’ll take care of the rest.

Here’s what you’ll need to provide to get a quote:

  • The type of services or products you offer
  • The location of your office or place of operations
  • The size of your workforce and their pay
  • The number and types of vehicles used for business purposes

These questions will help us tailor a quote that fits your specific business needs and ensure that you have the appropriate coverage in place to protect your company. With this information, our experts will be able to provide you with a quote that fits your business perfectly, providing you with the peace of mind you need to focus on what’s important – your business.

Can I add an additional insured to my business insurance coverage?

Absolutely! It’s easy to add an additional insured to your business insurance policy to provide protection for a specific project or to meet a contractual requirement.

At Coverage Cowboy, we understand the importance of having the right coverage for your business, and we’re here to help you every step of the way. We’re happy to inform you that we offer the option to add additional insureds to your policy.

This is done to give peace of mind knowing that all parties involved in your project or contract are covered in the event of any unexpected losses or liabilities. It’s a simple process, and one of our insurance experts will be happy to guide you through it.

Don’t hesitate to reach out to us, we’d be more than happy to help you add an additional insured to your business insurance policy today!

How can I get a Certificate Of Insurance (COI)?

Once you sign up and purchase your business insurance, you will instantly have digital access to your COI via mobile or PC.

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Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.

Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.