Restaurant and Café Insurance

Types of Insurance

Types of Insurance -  Condo Insurance

Add-Ons and Bundles

 Discounts - Condo Insurance


Glossary -  Condo Insurance

Common Types of Restaurant and Café Insurance

Commercial General Liability Insurance

Coverage for common risks.


  • Customer-sustained injuries
  • Damaged customer property 
  • Advertising injuries

Typical Cost & Factors

  • $600-$1000 per year
  • Depends on size, risk level of business



Commercial Property Insurance

Coverage for risks to property.


  • Kitchen fires
  • Electrical breakdowns
  • Vandalism and break-ins
  • Water damage

Typical Cost & Factors

  • $600-$1000 per year
  • Depends on value of property



Workers’ Compensation Insurance

Coverage for employee injury.


  • Medical bills for job-related illness or injury
  • Wage replacement during recovery time

Typical Cost & Factors

  • $800-$1200 per year
  • Depends on number of workers, level of occupational risk


    Additional Types of Restaurant and Café Insurance

    Commercial Auto Insurance

    Coverage for vehicles in company use.


    • Vehicle accidents and break-downs
    • Vehicle theft and physical damage

    Typical Cost & Factors

    • $800-$1300 per vehicle per year
    • Depends on vehicle type, location, and driving history


    Liquor Liability Insurance

    Coverage for alcohol-related incidents.


    • Damages to people and property caused by inebriated patrons
    • Associated legal fees

    Typical Cost & Factors

    • $500-$800 per year
    • Depends on % liquor sales, establishment type



    Food Contamination Insurance

    Coverage for losses due to food carrying bacteria*.


    • Contaminated food replacement costs
    • Equipment sterilization 
    • Restorative advertising

    Typical Cost & Factors

    • $400-$600 per year
    • Depends on size of business


      *Not to be confused with Food Spoilage Insurance, which covers food that spoils early due to humidity or temperature changes. The two are often packaged together.


      Utility Interruption Coverage

      A Utility Services Exclusion found in many Commercial Property Insurance plans means that without this coverage, you will not be compensated in the case of a power outage resulting from something outside your business, like a knocked power line.

      Sewer Backup Coverage

      Sewer water backing up into your business is typically excluded from, but can be added into, a Commercial Property Insurance plan.

      Equipment Breakdown Coverage

      Vital machinery such as boilers, ice makers, ovens, or food warmers can be damaged by steam explosions or mechanical breakdown, which are often not included in, but can be added to, Commericial Property Insurance coverage.

      Extra Expense Coverage

      After properties have experienced a physical loss, like a natural disaster, Commercial Property Insurance may cover the costs to repair the location, but will not cover the costs of moving to a temporary location to keep business running without Extra Expense Coverage.

      Fine Arts Coverage

      Restaurants and cafés are often decorated with valuable statues, paintings, and other artwork, but these are not valued on their replacement cost unless Fine Arts Coverage is added.


      Many insurance plans are commonly bundled together for simplicity and a cheaper rate.

      Business owner’s policy (BOP)

      A popular option for small businesses like restaurants and cafés that combines Commercial General Liability insurance with Commercial Property insurance, usually at a cheaper price than if the two were purchased separately.

      Frequently Asked Questions

      Do we insure people with many claims?

      Yes! We have select carriers for people who have many claims or a bad record.

      What payment methods do we accept?

      Payments through a mortgage, direct billing through mail, EFT (Bank Account), debit and credit cards.

      How can I file a claim?

       We strongly recommend calling us before the insurance carrier directly about a claim. You may not want to file a claim depending on your insurance plan. However, we will assist you in filling a claim the best way to make sure you take the least amount of damage possible to your insurance score. After talking with us, you can call the insurance carrier or let us call them for you.


      If you can’t find your answer here, please don’t hesitate to ask a representative through our messaging system or email.