Protect Your Restaurant and Your Employees
There are many different kinds of insurance out there, but as a restaurant owner, you have very unique needs. At biBERK, we’ll help you understand what kind of insurance is best for you. Just fill out a simple form online or speak with one of our licensed insurance experts to get a free quote. Plus, with biBERK, you can purchase a policy, manage it, and submit claims online for ultimate convenience.
Who Needs Business Insurance for Restaurants?
Business insurance is especially important to restaurant owners because of the risks involved for customers and employees of your business. Those risks can include everything from slip and fall injuries or spoiled food that could lead to lawsuits to broken kitchen equipment that slows business. Having the right amount of business insurance can provide financial protection should something unexpected happen.
Any Business That Cooks and Serves Food Needs Business Insurance, Including:
- Bar and grills, taverns, sports bars, and wine bars
- Coffee shops and cafés
- Concession stands/snack bars
- Food delivery services
- Food truck
- Family restaurants
- Fast food
- Fine dining
- Juice bars
- Restaurant franchises
- Restaurant suppliers
- Sandwich shops
What are the Different Types of Restaurant Insurance?
At biBERK, we offer six 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
This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury.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. 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.chevron_rightGeneral Liability
Property & 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.chevron_rightProperty & Liability
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.chevron_rightUmbrella
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 legal and medical fees should an employee experience an accident or your vehicles get damaged.chevron_rightCommercial Auto
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
Why biBERK for Restaurant Insurance?
We’re the experts when it comes to insurance for small businesses.
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.
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.
We're part of Warren Buffett's Berkshire Hathaway Insurance Group with more than 40 years of insurance experience and over 100,000 satisfied customers.