Restaurant Insurance

Specialty business insurance solutions tailored to your needs.
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Prepare your restaurant for the unexpected with XINSURANCE by your side.

Safeguard your business from unexpected events with XINSURANCE’s customized insurance solutions tailored for the unique risks faced by restaurants.

What is Restaurant Insurance and Why it's Important

Restaurant insurance protects restaurants from various risks and liabilities they may encounter. Our insurance solutions can provide common coverages such as general liability, product liability, and liquor liability, as well as specialty coverages like communicable disease coverage, alleged assault and battery liability, special events liability, and umbrella coverage. If you have an existing insurance policy for your restaurant, XINSURANCE can fill the gaps and exclusions that are leaving you exposed. We can also offer all-in-one solutions that provide all of your coverage under one policy.

Restaurant liability insurance is crucial for protecting the viability of a restaurant business. It provides essential coverage against unforeseen events like fires, accidents, and natural disasters, preventing significant financial losses. Additionally, restaurant insurance can protect against liability claims, covering legal fees, medical expenses, and potential settlements up to policy limits. Having restaurant insurance provides peace of mind, mitigates financial risks, safeguards investments, and promotes security for owners and staff.

Restaurant Insurance: Who We Can Help

  • Restaurant Owners
  • Bars & Brewpubs
  • Food Trucks
  • Cafes and Diners
  • Coffee Shops
  • Ghost Restaurants
  • Restaurant Operators
  • Pop-Ups
  • Casual
  • Fine Dining
  • Fast Food
  • Delivery Drivers
  • And More!
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Coverage Options for Restaurant Liability Insurance

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Liquor Liability

Coverage for businesses that provide the sale, service, or furnish of alcohol. Learn more.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.

*Available in most states

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Products Liability

Coverage for claims related to food-related illnesses or injuries caused by the food or beverages served by the restaurant. Learn more.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

Special Events Liability

Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events. Learn more.

Active Shooter Liability

Liability protection in the event of an active shooting taking place on company property. Learn more.

Alleged Assault and Battery Liability

Coverage for claims against you or your employees regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you or your employees regarding sexual abuse and/or molestation.

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.

Riot and Civil Commotion Liability

Liability protection against claims made from a riot or civil commotion.

Directors and Officers (D&O) Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.

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How To Get A Quote

Request Your Quote

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Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

FAQ About Restaurant Insurance

How Much Does Restaurant Insurance Cost?

The cost of restaurant insurance can vary widely depending on factors such as the size and location of the restaurant, years in business, the type of cuisine served, the types of insurance coverages needed, your history of claims, and more. It is best to contact us to get a more accurate estimation.

What Types of Insurance Do Restaurants Typically Need?

The type of insurance coverage needed for your restaurant will depend on your unique circumstances. XINSURANCE does not provide a cookie-cutter policy that applies to everyone. Instead, we talk to you and learn more about you and/or your business. We then come up with an insurance solution that provides customized coverage based on your needs. This all-in-one approach allows you to pick the coverage you want to have on your insurance policy.

That said, restaurants typically need a number of insurance coverages, including general liability insurance, property insurance, liquor liability insurance if you serve alcohol, and commercial auto insurance if you have delivery vehicles.

Why Should I Have Restaurant Liability Insurance?

You need restaurant liability insurance to help protect you when things go wrong. In life, you will learn how good your insurance partner is when what can happen does happen. XINSURANCE stands by your side when an accident, incident, claim, or lawsuit occurs. Having restaurant liability insurance can protect you from significant financial loss and sometimes can be the difference between staying in business or closing your doors. In some places, liability insurance may be required.

Can I Be Insured if I've Been Dropped or Rejected by an Insurance Company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

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Insurance for Bars and Restaurants

We can also provide business insurance solutions for bars, taverns, and nightclubs. We can help all sorts of bars, including sports bars, beach bars, ice bars, wine bars, cocktail lounges, and more.

Please visit our Bar Insurance page to learn more or request a quote for your bar or nightclub.

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service