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Restaurant insurance without the mystery.

Property, liability, workers' comp, liquor liability — packaged for restaurants, cafés, and food service in Arkansas and Minnesota.

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What we cover

  • Property — the build-out, kitchen equipment, furniture, and stock, whether you own or lease the space.
  • General liability — slip-and-falls, foodborne illness claims, and what your landlord's lease requires.
  • Liquor liability — if you serve or sell alcohol, most states and many leases require it. Don't pour without it.
  • Workers' compensation — kitchens are where workers' comp earns its keep: cuts, burns, slips.
  • Business income — a kitchen fire closes you for a month; this pays the bills while you're dark.
  • Equipment breakdown / spoilage — the walk-in dies on a Friday night. Covered, if it's on the policy.

Who this is for

Independent restaurants, cafés, coffee shops, pizzerias, food trucks, bars and grills, and new openings. Opening your first location? We quote new ventures — bring your lease and your build-out numbers.

The lease matters

Most restaurant leases dictate exact insurance requirements — limits, additional insureds, waivers. Send us the insurance section of your lease and we'll build the policy to match it the first time.

Restaurant questions we hear every week

My landlord wants to be an "additional insured." What does that mean?

Your liability policy extends to protect the landlord for claims arising from your operation. It's standard in restaurant leases, costs little or nothing, and we set it up when we write the policy — then issue the certificate your landlord wants to see.

Do I need liquor liability if beer and wine is a small part of my sales?

If you serve alcohol at all, general liability alone won't cover an alcohol-related claim. The premium scales with your alcohol sales, so a low-volume beer-and-wine café pays far less than a bar — but zero coverage is not an option worth taking.

What does restaurant insurance cost?

It depends on sales, payroll, square footage, alcohol percentage, and the building itself. Package policies for a small café start modest; full-service restaurants with bars run more. We quote it across carriers and show you the real number — no obligation.

I run a food truck. Same thing?

Close, but the truck itself needs commercial auto and the setup differs from a fixed location. We write food trucks — tell us about the truck, the equipment, and where you park and serve.