Business Insurance for Casual and Fine Dining Restaurants

When it comes to insurance for your casual and fine dining restaurant business, you want your coverage to be well balanced to fit your needs and your budget. With a PolicySweet® Business Owners Policy, we’ll make sure your coverage is as carefully selected as the items on your menu. From General Liability to Workers’ Compensation, each restaurant insurance policy is served with your needs in mind.

How to Help Protect for Your Restaurant:

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Common Types of Coverage for Restaurants:

Restaurant owners often purchase multiple types of coverages. The reason for this is because it can help protect them against different liabilities. Some common coverages include:

  • Business Owners Policy
    • General Liability
    • Property Insurance
    • Cyber Insurance
  • Workers’ Compensation

Business Owners Policy

A Business Owners Policy allows you to obtain multiple coverages under one policy. Our BOP includes general liability and business property coverage as well as cyber-risk insurance to help protect your business from various risks.

General Liability Insurance

If you or an employee caused bodily injury or property damage to a third-party, general liability could help cover expenses associated with the incident. It could help repair or replace damaged items owned by a customer and help to cover medical expenses.


Property Insurance

Business property coverage can pay for equipment and inventory if it is stolen or damaged. If you own expensive equipment this type of coverage could be valuable for your business.


Cyber Insurance

Cyber coverage could help reduce the financial impact on your business in the event of a cyber-attack.


Workers’ Compensation

Workers’ Compensation could help cover employee medical payments and treatment for illnesses and injuries that occur while on the job. It can also help cover lost wages while an employee recovers.

Coverage by State

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