Restaurant Insurance

What is Restaurant Insurance?

Proper restaurant insurance for your culinary masterpiece is as important to the future of your business as delicious food and good customer reviews. Running the day-to-day operations of a restaurant gives you plenty to worry about. You don’t need to add restaurant insurance coverage concerns to the list. After putting in so much work, Woods Insurance knows you don’t want your business to fail or lose profit due to an accident or property damage. That's where restaurant insurance comes in. Restaurant insurance provides comprehensive financial protection against certain losses.

Who Needs Restaurant Insurance?

All food and restaurant-related businesses need some type of restaurant insurance to help them get back to working order should cover loss happen. Examples of the different kinds of business that require restaurant insurance include:

Bars & taverns
Food trucks
Delicatessens and sandwich shops
Ice cream parlors
Coffee shops
Catering companies
Fast food
Donuts shops
Food delivery
Pizza restaurant
Buffets
Fine-dining restaurants
Concession stands
inside a cafe with pendant lamps and flowers

Why Do You Need Restaurant Insurance?

A restaurant is a risky place, with sharp cooking utensils, liquid spills, and hot surfaces, in addition to the risks common to all businesses, such as theft and employee injury. For many restaurants, a single accident can be enough to seriously jeopardize its ability to stay in business. A restaurant insurance coverage plan from Woods Insurance can help combine all the insurance coverages you need in a customized policy plan to protect you against risks common to restaurants, helping your business succeed even when accidents occur.

What Does a Restaurant Insurance Policy Include?

As experts in restaurant insurance and risk management issues, Woods Insurance has built upon our experience to develop a portfolio of coverages to address every facet of your restaurant operation. Available coverages include:

Food spoilage and contamination
Liquor liability
Utility and equipment breakdown
Commercial umbrella
Commercial auto
Employment practices liability
Loss of business income
General liability
Workers' compensation
Cyber liability
Business property coverage
Crime and robbery
Signage and sidewalk
Guest property

Woods Insurance Offers Customizable Restaurant Insurance Coverage Options

Woods Insurance specializes in restaurant, hospitality, and food service insurance. We know that businesses in the food industry, from local hot spot restaurants to fine dining establishments, face a unique set of challenges. We have optimized our restaurant insurance to give you the right coverage to protect you from financial loss arising from claims against your restaurant and accidents. Our insurance agents will take the time to learn about your business and then curate an insurance policy tailored to your individual needs without putting a strain on your budget. From contamination to employee theft, we will make sure you are properly covered.

For a Free Restaurant Insurance Quote, Contact Woods Insurance

Whether you operate a food truck, own a donut shop, deliver pizzas locally or cater special events, you need the right insurance coverage to protect your food service business. Call Woods Insurance today to learn more about restaurant insurance coverage.


If you’re ready to start a partnership with a restaurant insurance agency that is passionate about keeping your business properly covered, or call Woods Insurance at (800) 949-3720 today. Or for a free online restaurant insurance quote, fill out the quote form on this page. You can also stop by our Woods Insurance NM or Woods Insurance CO regional offices to learn more.


We’re licensed in 33 states, so get started today.

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