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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' compensationprofessional liability (E&O)general liabilitybusiness ownersumbrella, 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.

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Who Needs Business Insurance for Restaurants?

Business insurance is important to restaurant owners. Risks like slip-and-fall injuries or spoiled food can lead to lawsuits, so you need a general liability policy. Equipment damage and resulting business disruption is a risk, so a business owner’s policy, which includes general liability, is recommended. That policy also covers fires caused by your kitchen equipment and can include coverage for spoilage caused by mechanical failures.ance can provide financial protection should something unexpected happen.

Any Business That Cooks and Serves Food Needs Restaurant 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.

chevron_rightWorkers' Compensation
General 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. It helps cover claims such as legal and medical expenses related to customer injury or foodborne illness, damage to customer property, copyright infringement, libel, or slander. Plus, there are endorsements you can add to customize your policy, including liquor liability, cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability. Overall, general liability insurance is a basic way to financially protect your business just in case something unexpected happens.

chevron_rightGeneral Liability
Commercial 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 your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.

chevron_rightCommercial Auto
Business Owners Policy

Also called property & liability insurance, a business owners policy (BOP) 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, non-owned auto liability, food spoilage, cyber liability, fine art or other enhancements, and employment related practices liability. An equipment breakdown add-on can be particularly important for restaurants. It can help pay for repair or replacement, lost income while equipment is out of commission, and costs related to the time and labor required to make repairs. 

chevron_rightBusiness Owners Policy
Umbrella 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.

Cyber Insurance

This coverage can be purchased as an add-on to a general liability, professional liability, or BOP policy. It helps cover costs related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

chevron_rightCyber Insurance

Why biBERK for Restaurant Insurance?

We’re the experts when it comes to insurance for small businesses.

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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.

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Save Money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you - up to 20% less than policies with other insurance companies.

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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

See why biBERK is easier and more convenient when you obtain your free quote online.