The coverages restaurants forget until the claim
Spoilage coverage (power outage kills $8K of inventory), equipment breakdown (walk-in compressor dies), food contamination (health-department shutdown income), and assault & battery (for late-night venues). Standard BOPs exclude or sublimit all four — they're endorsements you must ask for.
- • Delivery via your own drivers requires hired/non-owned auto — personal policies deny business use.
- • Grease-fire suppression inspection contracts can cut property premiums 10%.
- • Food trucks need the same stack minus some property exposure — plus commissary coverage.
Related guides
Long-form playbooks on the same topic, written by the RevenueLab editorial team.
FAQ
How much is restaurant insurance per month?
A small café pays roughly $150–400/month. Full-service restaurants run $700–1,500/month. Bars and nightclubs with heavy liquor sales commonly exceed $2,500/month.
Do I need liquor liability if I only serve beer and wine?
Yes — dram-shop liability applies to any alcohol service. Beer-and-wine-only operations pay less than full-liquor venues, but the exposure from an over-served patron's car accident is identical.
Is workers' comp required for restaurant staff?
In nearly every state, yes, from the first employee — including part-time servers. Kitchen injuries are among the most frequent comp claims of any industry.
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