RESTAURANTINSURANCE.COM 1-800-427-8006

The Restaurant Insurance Leader

95% switch to us, nearly 100% stay.

Property, General Liability, Workers Comp,

Employment Practices, and more.

The Restaurant Insurance Leader

95% switch to us, nearly 100% stay.

Property, General Liability, Workers Comp,

Employment Practices, and more.

It's What We Do

Focus on Restaurants

With over 150 years of combined experience in insurance and the restaurant industry, our team has specialized in serving businesses like yours for more than 35 years. We are well known and work with top carriers to offer insurance solutions that fit your needs and budget.

Real Customer Service

Restaurant Insurance Group's affiliates, take pride on providing exceptional personal old-fashioned customer service, with a modern touch. Helpful and knowledgeable people are always available to answer your questions, provide guidance, and help you navigate the insurance process.

Low rates for restaurant liability insurance. Low rates for restaurant insurance. Low rates.

Affordable Solutions

We understand that every client has unique insurance needs. That's why we offer customized insurance solutions tailored to your specific situation. We work with you to understand your needs and provide the best coverage options and best deals.

All types of food service and hospitality

Full Service Restaurants

Bars, Lounges, Nightlife & Entertainment

Limited Service & Quick Serve

Restaurant insurance for family style and full service restaurants

BBQ Joints
Brewery Restaurants
Cafes
Casual Dining
Diners
Ethnic Restaurants (all cuisines)
Family Style-Full Service
Fine Dining
Franchises
Gastropubs
Hotel Restaurants
Regional Chains
National Chains
Seafood Restaurants
Steakhouses
Themed Restaurants

Limited Service & Quick Serve

Bars, Lounges, Nightlife & Entertainment

Limited Service & Quick Serve

Restaurant insurance for quick serve and casual restaurants

Bistros
Buffet Restaurants
Cafes
Cafeterias
Drive Thru only
Fast Casual/Counter Service
Fast Food/Quick Service
Food Halls
Franchises & Chains
Hot Dog Stands
Pizzerias
Snack Bars
Taco Stands
Take Out/ Carry Away only locations
Take & Bake

Bars, Lounges, Nightlife & Entertainment

Bar and tavern insurance. Nightclub insurance.

Bars
Billiard Halls (Pool Tables)
Brewpubs
Casino Restaurants
Dance Halls/Clubs
Dinner Theatre, Mystery, or Magician Dining
Entertainment Venues
Gentlemen's Clubs
Lounges
Nightclubs
Sports Bars
Strip Clubs/Juice Bars
Tapas Bars
Taverns/Pubs
Video Arcades

Specialty & Niche

Mobile & Temporary

Bars, Lounges, Nightlife & Entertainment

Community Kitchens
Farm-to-Fork Boutique Farms
Grill-Your-Own operations
Non-Profit Food Ventures
Rotisserie Restaurants
Soup Kitchens
Supper Clubs
Sushi Bars
Teahouses
Vegetarian/Vegan Restaurants

Light Cooking

Mobile & Temporary

Retail food service and quick serve restaurant insurance

Bakeries / Pastry
Candy Shops & Manufacturing
Charcuteries
Coffee & Tea
Cookies & Cupcakes
Delicatessens (Delis)
Donut Shops
Fish Markets
Ice Cream & Yogurt
Juice / Smoothies
Popcorn / Pretzels

Mobile & Temporary

Catering Services (On and Off Premises)
Concession Stands
Delivery (Owned & Non-Owned Autos)
Farmers Market Vendors
Food Trucks, Trailers & Carts
Ghost Kitchens & iCloud
Prepared Meals/Meal Kits
Pop-Up Restaurants
Temporary or Auxiliary Kitchens

Ancillary & Food Related

Beverage (Manufacturing & Retail)

Ancillary & Food Related

Administrative Offices
Central Kitchens
Coffee Roasteries
Commissaries
Culinary Academies
Food & Product Purchasing Groups
Storage: On & Off Premises
Franchisors (Liability)
Management Entities (Liability)
Food Manufacturing

Retail Food & Grocery

Beverage (Manufacturing & Retail)

Ancillary & Food Related

Grocery store insurance. Food service insurance.

Butcher Shops
Cheese Shops
Convenience Stores
Ethnic Food & Retail
Food Co-Ops
Gift Baskets
Grocery Stores
Gourmet Foods (Sauces, condiments, pickles, hot sauce, jams, etc.)
Health / Natural Food & Supplements
Bulk Foods including Nuts & Dried Fruit
Olive Oil/Oils
Supermarkets
Spice Shops
Tasting Rooms (all types)

Beverage (Manufacturing & Retail)

Insurance for wineries, breweries, and distilleries.

Breweries
Cideries
Distilleries
Tasting Rooms (all types)
Wineries
Wine Bars

Event & Meeting Facilities

Hospitality (Lodging & Resorts)

Beverage (Manufacturing & Retail)

Event or Meeting Halls & Facilities
Party Facilities
Wedding Reception
Reception Venues

Hospitality (Lodging & Resorts)

Bed & Breakfast Inns
Campgrounds
Country Inns
Hotels & Motels
Hunting, Fishing or Nature Retreats
Lodging and Resort Dining
Resorts
RV Parks

Shield your restaurant, employees and assets with coverage

Property Insurance

Workers Compensation Insurance

General Liability Insurance

Protects the building, equipment, furniture, and inventory from damage due to fire, theft, vandalism, or other covered events.

General Liability Insurance

Workers Compensation Insurance

General Liability Insurance

Covers claims related to bodily injury, property damage, and advertising injury that occur on the restaurant premises.

Workers Compensation Insurance

Provides coverage for employees' medical expenses and lost wages due to work-related injuries or illnesses.

Employment Practices Insurance

Business Interruption Insurance

Workers Compensation Insurance

Protects against claims related to employment issues, such as wrongful termination, discrimination, and harassment.

Liquor Liability Insurance

Business Interruption Insurance

Covers claims arising from the sale of alcohol, such as damages or injuries caused by an intoxicated customer.

Business Interruption Insurance

Provides compensation for lost income and operating expenses if the restaurant has to close temporarily due to a covered event like a fire.

Food Spoilage Insurance

Product Liability Insurance

Protects against losses from spoiled inventory due to power outages, equipment failure, or other covered incidents.

Product Liability Insurance

Covers claims arising from foodborne illnesses or other issues related to the restaurant's products.

Commercial Auto Insurance

Product Liability Insurance

Commercial Auto Insurance

Covers vehicles owned or used by the restaurant for business purposes, including food delivery or catering.

Cyber Liability Insurance

Equipment Breakdown Insurance

Commercial Auto Insurance

Covers data breaches, hacking, or other cyber incidents, including customer data loss and associated legal costs.

Equipment Breakdown Insurance

Covers the cost of repairing or replacing equipment that breaks down due to mechanical or electrical issues.

Crime Insurance

Equipment Breakdown Insurance

Protects against losses from employee theft, burglary, robbery, or other criminal acts.

Additional coverages

Commercial Umbrella Insurance

Tenant Improvements and Betterments Insurance Insurance

Offers additional liability coverage beyond the limits of standard policies, such as General Liability or Liquor Liability.

Tenant Improvements and Betterments Insurance Insurance

Covers improvements made to a leased space, such as kitchen installations or interior renovations.

Ordinance or Law Coverage

Tenant Improvements and Betterments Insurance Insurance

Utility Services Insurance

Helps pay for the cost to rebuild or upgrade to current building codes after a covered loss.

Utility Services Insurance

Covers losses due to service interruptions from utilities such as water, electricity, or gas.

Signage Insurance

Utility Services Insurance

Inland Marine Insurance

Provides coverage for damage to outdoor signs, including digital signage.

Inland Marine Insurance

Utility Services Insurance

Inland Marine Insurance

Provides coverage for tools, equipment, and materials in transit or stored off-site, often used for catering businesses.

Garage Keepers Liability Insurance

For restaurants offering valet services, covering damage to customers' vehicles while in the restaurant's care.

Flood Insurance

Garage Keepers Liability Insurance

Protects against damage due to flooding, which is often not covered under standard property insurance policies.

Earthquake Insurance

Garage Keepers Liability Insurance

Earthquake Insurance

Covers damage to the building and business property caused by earthquakes, including structural repairs and lost income due to temporary closure.

Health Insurance

Reputational Damage (Foodborne Illness Insurance)

Earthquake Insurance

Provides medical, dental, and vision coverage for employees, including doctor's visits, hospital stays, and prescriptions.

Life & Disability Insurance

Reputational Damage (Foodborne Illness Insurance)

Life insurance offers a death benefit to beneficiaries if the insured passes away, with options like term, whole, and key person coverage.

Disability insurance replaces a portion of income for employees unable to work due to illness or injury, including both short-term and long-term coverage.

Reputational Damage (Foodborne Illness Insurance)

Protects against financial losses from claims or reduced business due to foodborne illnesses, including crisis management and brand restoration.

Frequently Asked Questions

Please reach us at RateQuote@RestaurantInsurance.com or call 1-800-427-8006 if you cannot find an answer to your question.

Do you place business for other brokers?

No. Our affiliates prefer to have relationships directly with the restaurant owner as policyholder.

Don't all agents and brokers have access to the same carriers?

No. Our affiliates have access to most of the competitive markets that top-tier agents work with, as well as unique partnerships and special programs that other insurance professionals simply can’t offer.

Specialized knowledge, experience, and profitable premium volume in the restaurant niche does matter. It translates to better service, coverage and the lowest premiums.

Our affiliates are independent agents, not tied to a single carrier like captive or most direct writers. Unlike them, who represent just one company, we enjoy the broadest range of market access. No matter the market conditions, you can maintain a strong and effective relationship with us year after year.

Don’t all agents get the same prices and terms from the same carrier?

Not necessarily. While carriers might provide standard base pricing and terms, agents like ours can often negotiate better rates, terms, or coverage enhancements thanks to their relationships with underwriters, access to specialized programs, or the volume of profitable business they bring to the carrier. Producer loss ratios, hit ratios, and production matter. These factors can sometimes lead to differences in the final terms offered to clients, even when dealing with the same carrier.

Do you write personal lines?

Yes, our agents and brokers will write and service personal lines (home, auto, life, etc.) only if we already insure that customer's business.

I'm appointing producers or want help with insurance program development. Interested?

Our goal is to remain diverse and adaptable, so we welcome capacity for the various types of food service we insure to meet the evolving and changing marketplace.

We're interested in BOP, package, EPL, workers' comp, delivery, and umbrella coverages—whether admitted or non-admitted—thanks to our Surplus Lines License. Reach out to us, and let's discuss how we can work together.

For example, self-rating with underwriting authority for small restaurants streamlines our workflow, and there's a clear market need for a neighborhood bar/tavern program that covers package policies and workers' comp. The variety of food service types and their needs presents abundant opportunities for unique programs, no matter the type of coverage. We welcome any overtures.

How Can I Access Free HR, Safety Tools and Group Programs for My Restaurant?

Go to http://www.RestaurantAdvantage.Com

Simplify your restaurant’s HR, safety, and compliance! Members get free access to essential tools, employee handbooks, labor posters, OSHA training, and online courses on topics like sexual harassment prevention and workplace safety—anytime, anywhere. It’s all FREE for their members!