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Restaurant Insurance

Protect your brick-and-mortar food business with affordable, customizable restaurant insurance.
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Rated 4.8 out of 5
Home / Restaurant Insurance

Affordable Insurance for Restaurants

Restaurant insurance protects your business from lawsuits, accidents, and third-party property damage. With Insurance Canopy, restaurant owners and small food business owners can assess the specific risks associated with their type of business and match their liability insurance coverage to their needs. Check out these restaurant insurance policies for coverage options, and accessibility.

Don’t see your service listed above? Don’t worry, our experienced agents may still be able to tailor a policy for your specific restaurant needs.

What is Restaurant Insurance?

Restaurant insurance is coverage for your brick-and-mortar food business. Your policy can include coverage for general, product, and liquor liability, plus protection for your property and more.

  • Easy: 24/7 direct access to online, no-hassle applications where you can purchase your liquor liability insurance coverage.
  • Efficient: Get instant quotes from A+ rated companies, compare policies side-by-side, and select the one that best fits your needs
  • Trusted Resources: Our insurance team understands what coverage your restaurant business needs. Submit an application to get started.
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135,000+ Small Businesses Trust Insurance Canopy
We Have a (Nearly) 5 Star Rating
  • They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.

    Evergreen Multiservices Avatar Evergreen Multiservices
    February 2, 2026
  • Extremely user friendly website, super affordable and very little time needed to apply.

    Carl Sari Avatar Carl Sari
    January 31, 2026
  • Excellent company, Great service, the best!!!

    Claudina Adams Avatar Claudina Adams
    January 15, 2026
  • Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs

    Alex Avatar Alex
    January 5, 2026
  • Really went the extra mile to find the appropriate coverage for my business.

    Daisy B Avatar Daisy B
    January 2, 2026
  • Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!

    Andy Anderson Avatar Andy Anderson
    December 22, 2025
  • Easy. Convenient. Trustworthy. Came thru in a moments notice

    Eddie K Avatar Eddie K
    December 19, 2025
  • Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.

    Peter Flessas Avatar Peter Flessas
    December 14, 2025
  • So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs

    Yuri Gonzalez Avatar Yuri Gonzalez
    December 11, 2025
  • This company is great. They are very helpful and they have great prices for insurance options that cover what you need!

    Jacob Serrano Avatar Jacob Serrano
    December 6, 2025
  • They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.

    Evergreen Multiservices Avatar Evergreen Multiservices
    February 2, 2026

    Extremely user friendly website, super affordable and very little time needed to apply.

    Carl Sari Avatar Carl Sari
    January 31, 2026

    Excellent company, Great service, the best!!!

    Claudina Adams Avatar Claudina Adams
    January 15, 2026
  • Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs

    Alex Avatar Alex
    January 5, 2026

    Really went the extra mile to find the appropriate coverage for my business.

    Daisy B Avatar Daisy B
    January 2, 2026

    Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!

    Andy Anderson Avatar Andy Anderson
    December 22, 2025
  • Easy. Convenient. Trustworthy. Came thru in a moments notice

    Eddie K Avatar Eddie K
    December 19, 2025

    Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.

    Peter Flessas Avatar Peter Flessas
    December 14, 2025

    So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs

    Yuri Gonzalez Avatar Yuri Gonzalez
    December 11, 2025
  • This company is great. They are very helpful and they have great prices for insurance options that cover what you need!

    Jacob Serrano Avatar Jacob Serrano
    December 6, 2025

    Great experience, quick and easy to understand with what I needed for my business. Highly recommend!

    FrankLynn Rae Avatar FrankLynn Rae
    October 28, 2025

    Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.

    Maria Ciccone Avatar Maria Ciccone
    October 19, 2025
  • Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins

    stan zizka Avatar stan zizka
    October 5, 2025

    Getting a vendor policy was quick and fairly priced compared to other quotes.

    Kristine Fullerton Avatar Kristine Fullerton
    October 3, 2025

    Thank you so much

    Steve Monreal Avatar Steve Monreal
    July 11, 2025
  • I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More it would be. Then when I was ready to make my purchase, I called again. Was explained to me that everything was done online, I told the lady on the phone I didn't want to make this kind of purchase online with no guidance. She was so helpful and kind and patient! Walked me thru every page of the form and honestly didn't take long at all. Hope I never need to use the policy but nice to know I have it.

    Jamie Calaway Avatar Jamie Calaway
    July 4, 2025

    Very easy & quick experience. We got insurance in no time with no hassle. Thank you!

    Robert Earnest Avatar Robert Earnest
    July 4, 2025

    I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More reasonable price. I definitely would use them in the future,

    Deloris Pacheco Avatar Deloris Pacheco
    June 27, 2025
  • Very easy to renew policy

    Elyce Nissinoff Avatar Elyce Nissinoff
    June 18, 2025

    Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.

    queenkiam Avatar queenkiam
    June 18, 2025

    Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More a way to input the information or you can call or email to request it.

    Anthony Burgess Avatar Anthony Burgess
    June 18, 2025
  • Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More 15 minutes and had the signed contract in my possession 30 minutes later.

    Michael Riley Avatar Michael Riley
    June 18, 2025

    Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend

    Jay Solis Avatar Jay Solis
    June 18, 2025

    What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!

    Masha Rusanov Avatar Masha Rusanov
    June 18, 2025
  • great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More to be desired. 🤷🏻‍♀️ overall, would recommend! 🙂

    Gretje Angell Avatar Gretje Angell
    June 18, 2025

    Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.

    David Fox Avatar David Fox
    May 18, 2025

    They can help.you with the right Insurance you need, and the lowest price

    Alvaro Baltazar Avatar Alvaro Baltazar
    May 18, 2025
  • everything is excellent

    Radames Martinez Avatar Radames Martinez
    May 18, 2025

    Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!

    Ishan Arvin Avatar Ishan Arvin
    May 18, 2025

    Affordable for dance & yoga folk. Thumbs up!

    Maia Claire Avatar Maia Claire
    May 18, 2025
Restaurant Insurance That Keeps You Cooking

Keep your restaurant protected from the claims that come with running a busy kitchen. Our flexible, affordable policies cover you for common risks so you can focus on your guests, not your liability.

Questions About Restaurant Insurance

As businesses in the food industry, restaurants have a unique set of liability risks, from trip and fall accidents and business property damage to customers getting sick from the food you serve. Just one liability claim can cost tens of thousands of dollars. Without liability insurance, your business may be required to pay for claims out of pocket. Liability insurance can mitigate or sometimes eliminate the cost your restaurant may be required to pay for claims.

Every restaurant is different, which is why every restaurant insurance policy is priced differently. Your premium is calculated based on factors such as your gross annual income, location, and restaurant type. To find out how much your business may pay for coverage, submit an application for a free quote today!

Insurance Canopy’s base restaurant insurance policy does not cover restaurants that serve, sell, or furnish alcohol. Insurance Canopy does provide liquor liability insurance that can be added to your policy. If your restaurant serves, sells, or furnishes alcohol, you will need this important coverage to protect your business from the cost of alcohol-related accidents.

Choosing the right insurance is critical.
You can’t afford gaps in your coverage that could put you out of business.
Restaurant Fine Dining

Still have questions regarding our policies? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET.

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    Exclusions

    This policy is not designed to cover:

    • Industrial control engineers
    • Defense contractors
    • Medical software companies
    • Crypto exchanges
    • Gambling platforms
    • Physical security system installers
    •  Heavy equipment integrators

     

    Not available if you manage or control systems involving:

    • Pressure or ventilation systems
    • Fire suppression or explosives
    • Hazardous materials
    • Radiation or pharmaceuticals
    • Water supply or waste management
    • Energy, fuel, mining, construction
    • Environmental systems
    • Aircraft, drones, spacecraft
    • Watercraft, trains, automobiles, motorcycles
    • If you build firmware or embedded software controlling industrial physical equipment.
    • If you support:
    • Military operations
    • National defense
    • Homeland security
    • Law enforcement
    • Weapons
    • Anti-terrorism
    • Public safety
    • Surveillance
    • Crime detection
    • Emergency response
    • Physical security systems
    • If more than 25% of your revenue comes from:
      • Federal government work
      • Military or defense operations
    • If more than 50% of your revenue comes from:
    • Equipment installation
    • Maintenance
    • Physical service work



    Restricted if you work in:

    • Ride-sharing platforms
    • Equipment sharing platforms
    • For-rent-by-owner platforms
    • Help-for-hire platforms
    • Delivery services
    • Banking or financial services
    • Cryptocurrency / blockchain / NFTs
    • Geospatial mapping / aerial photography
    • GPS systems
    • Gambling or gaming
    • Dating or sexually suggestive content
    • Violence-related content
    • Alcohol, marijuana, CBD
    • Tobacco / nicotine / e-cigarettes
    • Flammable or electrical products
    • Food-related services

    Our licensed, U.S.-based agents are here for you from 8 a.m. to 8 p.m. Eastern, Monday through Friday, so they can enjoy evenings and weekends with the people who matter most.