The Restaurant Insurance Blog
Straight answers on what food-and-beverage businesses actually need — cost, coverage, compliance, and liquor liability. Every post is reviewed by a licensed commercial agent.
Cost
The Workers’ Comp Premium Audit, Explained
That surprise bill (or refund) after your policy year isn’t random — here’s exactly how the true-up works.
Compliance
Sexual Harassment Claims: The Coverage Restaurants Overlook
The industry with the most harassment charges is also the one most likely to be uninsured for them.
Coverage
Restaurant Delivery Insurance: The Gap in Your Auto Coverage
The moment a shift lead runs an order out in their own car, a coverage gap opens. Here’s how to close it.
By Business
Ghost Kitchen Insurance: What a Delivery-Only Kitchen Needs
No dining room doesn’t mean no liability — it just moves the risk onto the road and into the kitchen.
Liquor Liability
Beer and Wine Only — Do You Still Need Liquor Liability?
Owners assume beer and wine is a lower legal bar. Dram-shop law doesn’t see it that way.
Cost
How Much Does Restaurant Insurance Cost?
What a small restaurant actually pays across each coverage line — and the six things that move the number.
Coverage
The Most Common Restaurant Insurance Claims — and What They Cost
Where restaurants actually lose money — and the coverage that stands between an incident and a closure.
Liquor Liability
Liquor Liability vs. General Liability: What’s the Difference?
They sound similar and are often confused. One of them has an alcohol exclusion — and that changes everything.
Compliance
What Your Landlord’s Certificate of Insurance Actually Requires
The insurance clause in a commercial lease is short, dense, and non-negotiable. Here’s how to read it.
Getting Started
What Insurance You Need to Open a Restaurant
A first-timer’s map of which policies to line up, and the order the deadlines actually arrive in.
By Business
Food Truck Insurance for Festivals and Events
Most events won’t give you a spot without the right certificate. Here’s what they’re actually asking for.
Talk to an agent who insures food & beverage every day
A licensed commercial-lines agent who specializes in restaurants and bars will review your coverage, close the gaps that catch owners, and show you what a program actually costs — before anything is bound.