Restaurant Insurance: What Coverage Do You Actually Need?

Restaurants face unique risks from kitchen fires to liquor liability. Learn exactly which insurance policies your restaurant needs and why.

Industry Spotlight | 6 min read | 2026-02-25

Running a restaurant means managing risks that most businesses never face — from grease fires to foodborne illness lawsuits. Here's the coverage stack every restaurant owner should have.

Every restaurant needs general liability insurance. It covers the most common restaurant claims: a customer slips on a wet floor, a server spills hot coffee on a patron, a delivery person trips on your front steps. These incidents happen regularly, and without GL, you're paying legal defense and settlements out of pocket.

In This Article

• The Baseline: General Liability
• Commercial Property or BOP
• Liquor Liability — If You Serve Alcohol
• Workers' Compensation
• Food Contamination and Product Liability
• Putting It All Together

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