Advertiser Disclosure
How Restaurant Insurance Authority is compensated. Effective 2026-07-24.
Effective .
How we are paid
Restaurant Insurance Authority is an insurance marketing and referral service, not an insurer or a licensed agency. We are compensated when we refer you to a licensed independent commercial-lines agent partner, and in some cases when a policy is placed as a result.
How that affects our content
It does not change what we tell you. We do not accept payment to recommend a specific carrier, and our coverage explanations and cost ranges are the same regardless of which agent partner receives a referral. We aim for the right coverage at a fair price, never the cheapest policy at the cost of protection.
Not a substitute for a licensed agent
Only a licensed agent or insurer can bind coverage, quote a premium, or give advice specific to your business. Nothing here is a quote or a promise of coverage.
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.