Insurance for restaurants & retail
Restaurants, cafes, bars, boutiques and other shops face customer injuries, kitchen fires, spoiled inventory, card data, high employee turnover and delivery drivers. We put the pieces together so one bad day doesn't close you down.
Keep the doors open: property, liability and the people behind the counter.
What insurance do restaurants and shops need?
Restaurants and retailers usually start with a business owner's policy (general liability, property and business income), then add workers' compensation, equipment breakdown and food spoilage, cyber coverage for card payments, employment practices liability and, for delivery, hired and non-owned or commercial auto. If you serve alcohol, liquor liability is essential, since general liability typically excludes it.
What restaurants & shops need
Business owner's policy
Customer injuries, your space, equipment and inventory, and lost income after a covered loss.
Spoilage & equipment breakdown
Food and inventory lost when coolers or equipment fail.
Liquor liability
If you serve or sell alcohol, coverage for claims involving intoxicated guests.
Workers' comp
Kitchen burns, cuts and lifting injuries are common; the right class codes matter.
Cyber
Card-payment data and point-of-sale systems are frequent targets.
Delivery & EPLI
Coverage for delivery drivers, and for employment claims in high-turnover teams.
More in business insurance
Workers' compensation
Workers' compensation insurance for businesses in Colorado and nationwide: required coverage, class codes,…
Read more →General liability & business owner's policy
General liability, commercial property and business owner's policies (BOPs) for small and mid-sized…
Read more →Commercial auto
Commercial auto insurance for business vehicles and fleets in Colorado and nationwide, including hired and…
Read more →Cyber liability
Cyber liability insurance for small and mid-sized businesses in Colorado and nationwide: data breach…
Read more →Professional liability (E&O)
Professional liability and errors & omissions (E&O) insurance for consultants, agencies, technology firms and…
Read more →Management liability: D&O, EPLI and fiduciary
Management liability insurance for private companies and nonprofits in Colorado and nationwide: directors &…
Read more →
Frequently asked questions
Does my BOP cover food spoilage?
Not always automatically. Spoilage and equipment breakdown are often added as endorsements, so we check your policy for them.
We only serve beer and wine. Do we need liquor liability?
Yes. Most general liability policies exclude claims arising from serving or selling alcohol, regardless of the type.
Our employees deliver in their own cars. Are we covered?
Not by their personal policy for business use, often. Hired and non-owned auto coverage protects the business when that happens.
Get a restaurant or retail review
We'll compare packages that fit how your business runs.