General Liability
Helps address common third-party bodily injury, property damage, and advertising injury claims.
Industry checklist
Insurance finder for restaurants and cafes
Restaurants need protection for customer injuries, property, food-related claims, employees, and business interruption. Use this page as a quote preparation checklist, not as legal or insurance advice.
Commercial Property
Helps protect business property such as inventory, furniture, computers, fixtures, and build-outs.
Workers' Compensation
Helps cover employee work-related injuries and is required in many situations depending on state law.
Product Liability
Helps address claims tied to products that allegedly cause injury, illness, damage, or loss.
Business Interruption
Helps replace lost income after certain covered events disrupt operations.
Business Owner's Policy
Bundles general liability and commercial property coverage for many small businesses.
Questions to ask before buying coverage
- Which policies are required by client, landlord, venue, lender, or platform contracts?
- Are employees, contractors, vehicles, job sites, or customer data part of the risk?
- What limits, deductibles, exclusions, and certificates will a client expect?
- Does the policy match your state, revenue, payroll, services, and claims history?
Search topics this page targets
- restaurant insurance checklist
- cafe business insurance
- restaurant liability insurance
- food business insurance requirements