Restaurant & Bar Insurance

Core coverages

• Business owners policy (BOP) — property and general liability bundled
• Liquor liability — dram shop exposure; required if you serve alcohol
• Food spoilage & contamination — inventory lost to power or equipment failure
• Equipment breakdown — walk-ins, fryers, HVAC, POS systems
• Workers comp — kitchens are high-frequency injury environments

What drives your rate

Percentage of alcohol sales, closing time, entertainment (live music, dancing), cooking equipment type, square footage, and claims history. A bar open until 2 AM prices completely differently than a café — and it should, but the gap is smaller with carriers that specialize in hospitality.

Why agents pass — and we don't

High liquor percentages, late hours, and entertainment get restaurants non-renewed every week. Hospitality-focused markets write these risks daily — we know which ones want your specific operation instead of treating every bar like a nightclub.