The food and beverage industry runs on tight margins and long hours. Between health inspections, staffing challenges, supply costs, and the daily grind of keeping customers happy, the last thing you need is an insurance policy that doesn't actually cover your risks.
Coverage Cowboy specializes in F&B insurance. We work with restaurants, bars, coffee shops, bakeries, food trucks, caterers, diners, and every type of food business in between. We know the risks — grease fires, slip-and-fall claims, liquor liability, equipment failure, food-borne illness lawsuits, and employee injuries — and we build policies around them.
We shop multiple carriers who specialize in food service to get you competitive rates, and we handle certificates of insurance fast so you never lose a lease signing, event booking, or permit renewal over paperwork.
Coverage options for Food & Beverage Insurance
General Liability
General liability is the foundation of food and beverage insurance. It covers customer injuries on your premises, food-related illness claims, property damage, and advertising injury. For F&B businesses with high foot traffic and direct food service, GL claims are more frequent than in most industries — making this your most important policy.
Learn more → ⚔️Workers' Compensation
Food service is one of the highest-risk industries for workplace injuries. Burns, cuts, slips, repetitive strain, and heat-related illness are daily hazards. Workers' comp covers your employees' medical bills and lost wages — and it's required by law in most states as soon as you hire your first employee.
Learn more → 🚗Commercial Auto
Deliveries, catering drop-offs, supply runs, and food truck operations all require commercial auto coverage. Personal auto policies exclude business use, so any accident during work driving leaves you exposed. We cover owned vehicles, hired vehicles, and non-owned auto (employees using personal cars for work).
Learn more → 🏢Commercial Property
Commercial kitchens represent a significant equipment investment — ovens, fryers, refrigeration, prep equipment, POS systems, and inventory. Commercial property insurance covers repair or replacement after fire, theft, vandalism, or weather damage, plus business interruption income if you're forced to close temporarily.
Learn more →Frequently asked questions
Most F&B businesses need general liability, commercial property, and workers' compensation at minimum. Depending on your operation, you may also need liquor liability (if you serve alcohol), commercial auto (if you make deliveries or operate vehicles), food spoilage coverage, and equipment breakdown coverage. We build custom packages based on your specific business type and risks.
Costs vary widely based on business type, revenue, employee count, and location. A small coffee shop might pay $2,000–$4,000 per year, while a high-volume restaurant or bar could pay $8,000–$15,000. Bundling policies typically saves 10–15%. We shop multiple carriers to find the best rate for your specific operation.
If you serve alcohol in any form — beer, wine, or spirits — yes. Standard general liability excludes alcohol-related incidents. Liquor liability covers you under dram shop laws if an intoxicated patron causes injury or damage after leaving your establishment. Most state liquor boards, landlords, and event venues require it.
We issue certificates of insurance same-day in most cases. Whether you need a COI for a lease signing, a liquor license application, an event booking, or a vendor agreement, we handle it quickly. We can also add additional insured endorsements for landlords, venues, and event organizers as needed.
Getting covered: 3 easy steps
No complicated paperwork. No endless waiting. Just a straightforward path to the coverage you need.
Tell us about your business
What do you do, what risks concern you, what keeps you up at night? We need the real story to build real protection.
Get a custom quote
Based on your needs, we put together a custom coverage recommendation. Not a template. Not a guess. A plan tailored to your business that you can actually understand.
Get covered
Certificate delivered. You're fully covered and free to focus on what matters — running your business.
