Protect Your Restaurant and Your Employees
From slip-and-fall injuries in the kitchen to equipment breakdowns to lawsuits over foodborne illnesses, restaurants have to be prepared for the potential financial impact from a wide range of risks.
At biBERK, we provide tailored business insurance coverage at savings of up to 20%. Whether you need workers’ compensation, professional liability (E&O), general liability, business owners, umbrella, or cyber insurance, just complete a simple form online or speak with our licensed insurance experts to get a fast, free quote. Plus, with biBERK, you can purchase a policy, manage it, and submit claims online for ultimate convenience.
Any Business That Cooks and Serves Food Needs Business Insurance, Including:
- Bars and taverns
- Coffee shops and cafés
- Diners
- Delis
- Food delivery services
- Fast-food franchises
- Lounges
- Pizzerias
- Sandwich shops
What are the Different Types of Restaurant Insurance?
At biBERK, we offer five different types of insurance for small business owners like you. Depending on the location of your business and other factors, certain types might be better for you than others.
Workers’ Compensation Insurance
If you have one employee or more, most states require you to have workers’ compensation insurance. This type of insurance helps cover medical expenses and lost wages if an employee gets injured while working.
Workers’ Compensation chevron_rightProperty & Liability Insurance
This type of insurance is also referred to as a business owner’s policy. That’s because it offers fairly comprehensive coverage for your restaurant business. The policy includes coverage for everything under general liability insurance, plus coverage for property your business owns and lost income in the event of damage to your business’s property. You can even customize your property and liability policy with additional coverages for things like liquor liability or equipment breakdown.
Property & Liability chevron_rightCommercial Auto Insurance
If you own vehicles that are used for any part of your restaurant business, like transferring food for catering or making deliveries, then you most likely need commercial auto insurance. This type of insurance can provide coverage for legal and medical fees should an employee experience an accident or your vehicles get damaged.
Commercial Auto chevron_rightGeneral Liability Insurance
This type of insurance gives restaurant owners financial protection in the event of an accident or damage. While it’s not required by law, you may have a contract or lease agreement that requires you to have general liability insurance. On average, the cost of general liability claims (like for food poisoning) cost anywhere from $6,330 for fast-food restaurants to over $2.6 million for fine dining restaurants. General liability insurance helps cover claims such as: damage to customer property, copyright infringement, libel or slander, legal and medical expenses related to customer injury or foodborne illness. Overall, general liability insurance is a basic way to financially protect your business just in case something unexpected happens.
General Liability chevron_rightUmbrella Insurance
This type of insurance is an added layer of financial protection. It gives restaurant owners like you extra coverage when your claim exceeds the limit of a general liability or commercial auto insurance policy you already have from biBERK.
Umbrella chevron_rightSmall Business Insurance Experts
biBerk has over 500,000 satisfied customers and focuses exclusively on small businesses. Why is biBerk the business insurance company so many organizations rely on? There are many reasons.
Save time
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.
Save money
We insure your small business directly, without a middleman or insurance broker, so we pass that savings along to you - up to 20% less than policies with other insurance companies.
Experienced
We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.
Get a Quote Today
