restaurant insurance quote
Restaurant Owners Insurance Quote – Get Affordable Coverage for Your Business
Running a restaurant comes with unique risks, from kitchen fires to customer injuries. As a restaurant owner, having the right business insurance is crucial to protect your investment. At Blake Insurance Group, we provide fast and easy access to free, no-obligation business insurance quotes from multiple top-rated insurance providers.
With our online quote form, you can compare coverage options from different commercial insurance companies at the same time, ensuring you get the best policy at the most competitive rate. Whether you’re looking for general liability, workers’ compensation, commercial property, or liquor liability insurance, we help you find a plan tailored to your restaurant’s needs.
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Why Restaurant Insurance Matters
Restaurants face daily risks such as:
✔ Customer injuries (e.g., slip and fall accidents)
✔ Fire hazards in the kitchen
✔ Food contamination or spoilage
✔ Liquor-related liabilities (for those serving alcohol)
✔ Employee injuries
Having the right restaurant insurance ensures you’re financially protected from these unexpected events so you can focus on running your business smoothly.
Compare Quotes from Top Commercial Insurance Providers
At Blake Insurance Group, we work with multiple insurance carriers to provide you with the best possible coverage. If you’ve already received a quote, comparing your options ensures you’re getting the most value for your investment.
Here are five top-rated business insurance companies we work with:
The Hartford
✅ Industry Expertise: Specializes in small business insurance, including tailored policies for restaurants.
✅ Key Coverages: Business Owners Policy (BOP), general liability, workers’ compensation, and property insurance.
✅ Why Choose The Hartford? Excellent reputation for claims processing and customer service.
Hiscox
✅ Industry Expertise: Offers flexible, affordable policies for small business owners.
✅ Key Coverages: General liability, professional liability, and cyber insurance.
✅ Why Choose Hiscox? Customizable policies that fit the specific needs of small restaurants.
Travelers Insurance
✅ Industry Expertise: Provides strong coverage for food service businesses.
✅ Key Coverages: Property insurance, general liability, business interruption insurance, and workers’ comp.
✅ Why Choose Travelers? Reliable claims support and a variety of coverage options.
Liberty Mutual
✅ Industry Expertise: A trusted name in business insurance, offering specialized coverage for restaurants.
✅ Key Coverages: BOPs, commercial auto insurance (for food delivery services), and workers’ compensation.
✅ Why Choose Liberty Mutual? Competitive pricing and excellent financial strength.
Nationwide
✅ Industry Expertise: Provides insurance solutions for food and beverage businesses.
✅ Key Coverages: Commercial property, general liability, food contamination coverage, and liquor liability insurance.
✅ Why Choose Nationwide? Strong customer service and customizable coverage options.
Get Your Free Quote Today
Whether you’ve already received a quote from one of these companies or are just starting your search, comparing your options can help you make an informed decision. Blake Insurance Group’s online form makes it fast and easy to explore multiple business insurance options for your restaurant.
Here’s what you can expect:
Quick & Easy Process: Get your business insurance quote in minutes
No-Obligation Comparison: Compare policies with no commitment
Multiple Coverage Options: Find the best plan tailored to your restaurant’s needs
Don’t leave your restaurant unprotected. Get your free, no-obligation quote today and ensure your business has the best coverage at the right price.
Understanding Restaurant Insurance Costs
The cost of restaurant insurance can vary widely based on factors such as your location, type of cuisine, sales volume, and claims history. On average, you might expect to pay:
$251 per month for a business owner’s policy (BOP)
$141 per month for general liability insurance
$45 per month for liquor liability insurance
However, these are just averages. Your actual costs may differ, which is why comparing quotes from multiple providers is so important.
By using Blake Insurance Group’s quote comparison tool, you can ensure you’re getting the most comprehensive coverage at the most competitive rates, tailored specifically to your restaurant’s unique needs.
Frequently Asked Questions: Restaurant Owners Insurance
What types of insurance are essential for restaurant owners?
Restaurant owners typically need several types of insurance:
- General liability insurance
- Property insurance
- Workers' compensation insurance
- Liquor liability insurance (if serving alcohol)
- Business interruption insurance
- Food contamination insurance
How much does restaurant insurance typically cost?
Insurance costs vary widely based on factors like location, type of cuisine, and claims history. On average:
- General liability: $1,440 per year
- Business Owner's Policy (BOP): $684 per year
- Workers' compensation: $1,480 per year
- Liquor liability: $659 per year
What does general liability insurance cover for restaurants?
General liability insurance typically covers:
- Third-party bodily injury
- Third-party property damage
- Personal and advertising injury
- Medical payments for injuries on your premises
Is workers' compensation insurance required for restaurants?
Yes, in most states, workers' compensation insurance is mandatory for businesses with employees. It covers medical expenses and lost wages for employees injured on the job.
What is liquor liability insurance and do I need it?
Liquor liability insurance protects your business from alcohol-related incidents, such as a customer causing damage or injury after being overserved. It's essential if your restaurant serves alcohol.
What is food contamination insurance?
Food contamination insurance covers losses related to food-borne illnesses, contamination incidents, and associated business interruption. It can help with costs of replacing spoiled food, cleaning expenses, and lost income during closures.
Does my personal auto insurance cover business-related driving?
No, personal auto insurance typically doesn't cover business-related driving. If you use vehicles for business purposes (e.g., catering or deliveries), you'll need commercial auto insurance.
What is business interruption insurance?
Business interruption insurance helps cover ongoing expenses and lost income if your restaurant is forced to temporarily close due to a covered event, such as a fire or natural disaster.
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Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed
Blake Nwosu
Owner & Principal Agent