Food Services Insurance
Cover Your Tools, Your Team, and Every Vehicle You Touch
What Is Food Services Insurance?
Food Services Insurance is specialized protection designed for businesses that prepare, serve, or deliver food. This includes restaurants, cafés, food trucks, caterers, bakeries, bars, and other dining establishments. These policies help protect your business from risks like kitchen accidents, foodborne illness claims, equipment breakdowns, property damage, employee injuries, and liability issues that can arise during daily operations.
Whether you’re running a small café or a full-service restaurant, Food Services Insurance provides the comprehensive coverage needed to operate safely and confidently.
Why Do You Need It?
The food service industry is fast-paced and full of unpredictable challenges—slip-and-fall accidents, kitchen fires, spoiled inventory, equipment failure, customer illness claims, or power outages that disrupt business. Any of these incidents can lead to costly repairs, lawsuits, or lost revenue. Without the right coverage, even a single event could severely impact your business’s financial stability.
Food Services Insurance protects your livelihood by covering liability claims, property damage, equipment repairs, and business interruptions. This coverage allows you to focus on what matters most: delivering great food and exceptional customer experiences.
Types of Food Services Insurance
General Liability Insurance – Covers customer injuries, third-party property damage, and liability claims inside your establishment.
Commercial Property Insurance – Protects your building, kitchen equipment, furniture, décor, and inventory from fire, theft, or vandalism.
Business Owners Policy (BOP) – Bundles essential property and liability coverage into one affordable package for food service businesses.
Workers’ Compensation – Covers employee injuries from slips, burns, cuts, lifting accidents, or kitchen-related hazards.
Product Liability Insurance – Protects your business if a customer becomes ill or injured due to your food or drink products.
Liquor Liability Insurance – Required for businesses that serve alcohol; covers claims related to over-service or alcohol-related incidents.
Equipment Breakdown Coverage – Covers repairs or replacement for key kitchen equipment such as coolers, ovens, fryers, and refrigeration units.
Business Interruption Insurance – Helps cover lost income if you must temporarily shut down due to a covered event like fire or power loss.
Commercial Auto Insurance – Covers vehicles used for catering, delivery, or transporting supplies.
Cyber Liability Insurance – Protects POS systems and customer payment information from data breaches or cyberattacks.