Commercial Insurance for Restaurants & Eating Places

About Restaurant & Food Service Insurance

Restaurants operate in one of the most complex insurance environments of any small business — slip-and-fall claims, food contamination, liquor liability, equipment breakdowns, and employee injuries are constant exposures. Getting restaurant insurance right requires a broker who truly understands food service.

Business Insurance Brokers places commercial insurance for restaurants, cafes, diners, fast food operations, casual and fine dining establishments, food trucks, and catering businesses. Eating and drinking places (SIC 5812) is a our carrier class with BOP eligibility. We shop multiple specialty hospitality carriers to build the right program for your operation — covering general liability, liquor liability, equipment breakdown for commercial kitchen equipment, food contamination, business interruption, workers comp, and spoilage. We serve restaurants across Washington, Oregon, Idaho, Nevada, Arkansas, South Dakota, Pennsylvania, Texas, Indiana, and California.

Key Coverages

Unique Risks & Coverage Considerations

Restaurants face slip-and-fall liability, liquor liability (where alcohol is served), food contamination and spoilage exposure, kitchen equipment breakdown, and significant business interruption exposure when forced to close. Workers comp claims are frequent in food service.

As an independent broker, we shop the entire commercial market — including specialty and surplus lines carriers that write difficult-to-place risks. Our carrier markets rates many of these classes as Preferred, meaning consistent underwriting capacity and competitive pricing. We present you with the best available options for your specific operation, location, and loss history.

States We Serve

We place commercial insurance for California businesses in Los Angeles, San Francisco, San Diego, Sacramento, San Jose, Fresno, Long Beach, Oakland, Bakersfield, Anaheim and statewide — alongside our existing markets in Washington, Oregon, Idaho, Nevada, Arkansas, South Dakota, Pennsylvania, Texas, Indiana, and California.

Why Choose Business Insurance Brokers?

We are 100% focused on commercial insurance — no personal auto, no homeowners policies, no distractions. That means deeper expertise, stronger carrier relationships, and better outcomes for your business. When you work with us, you get a dedicated commercial broker who understands your industry.