Fast, affordable
restaurant insurance.
+ 100 MORE
How Casey works.
01
Tell us what you do
One conversation, in plain English. A specialist takes time to learn about your business, tell you what coverage you need, and build the application for you.
02
We shop the market
We compare more than 100 insurance companies and get quotes from the ones that fit your business best. No gaps, nothing you don't need.
03
Matched at the best rate
Compare real quotes side by side and bind the one you want. From then on we handle certificates, claims, and every renewal.
How much does restaurant insurance cost?
Market benchmarks, not quotes or guaranteed prices. Your premium depends on carrier underwriting.
General Liability
$130–$300/mo
Commercial Property
$120–$280/mo
Workers' Comp
$150–$500/mo
Liquor Liability
$50–$200/mo
What restaurant insurance covers.
Restaurant insurance is a combination of policies. Which ones you need depends on your menu, your alcohol split, and your lease.
Tell us about your operation and we'll put together the right ones.
01
General Liability
The slip near the host stand, the spilled drink on a laptop, the food-poisoning claim from Saturday service. Most forms include product liability for what leaves your kitchen.
When it matters: a table of six gets sick and their lawyer calls Monday morning.
02
Commercial Property
Your build-out, kitchen equipment, coolers, and inventory. A hood and suppression system alone runs five figures — limits should reflect what reopening actually costs.
When it matters: a grease fire takes out the hood and half the line.
03
Workers' Comp
Burns, cuts, and wet floors are daily hazards, not edge cases. Kitchen roles rate higher than front-of-house — which is exactly why the payroll split is worth getting right.
When it matters: a line cook takes a bad burn off the fryer and misses three weeks.
04
Liquor Liability
If you profit from alcohol, your GL excludes alcohol claims — beer and wine count. A separate line responds instead, and landlords and liquor authorities ask for it by name.
When it matters: a guest leaves after last call and causes a wreck on the way home.
05
Business Interruption & Spoilage
A kitchen fire closes you for six weeks — rent, payroll, and loan payments don't stop. And spoilage is an endorsement, not a given.
When it matters: the walk-in dies overnight and everything in it goes in the dumpster.
Why restaurant owners stay with Casey.
Casey is an independent insurance agency, which means we work for you, not an insurance company. We compare coverage and rates from more than 100 carriers to find the right fit for your business. Our technology takes care of the busywork, so quotes, certificates, and policy changes happen faster and your dedicated agent has more time to focus on you.
Claims advocacy
When something goes wrong, your broker works the claim on your side — not the carrier's.
Re-shopped every renewal
Most renewals are defensive. Ours aren't — we work the market ahead of time so the best terms find you every year, automatically.
Certificates, instantly
Self-serve COIs the moment a job site or landlord asks. No calling, no waiting, no office hours.
Restaurant insurance, answered.
What happens after I submit?+−
A licensed specialist will get in touch within a few minutes, take the time to learn about your business, and advise you on what coverage you need. From there, we shop the market to find the insurance company with the best value for you.
How much does restaurant insurance cost?+−
It depends on revenue, payroll, alcohol split, and claims history. A small restaurant without a bar often runs $3,000–$7,000 a year across GL and property — we shop 100+ carriers so you see the real number for your operation.
Does restaurant insurance cover food poisoning claims?+−
Yes — through the product liability piece of your General Liability, on most forms. Contamination cleanup and spoilage are separate endorsements, so we check all three before you bind.
We only serve beer and wine. Do we still need liquor liability?+−
Yes. The alcohol exclusion in your GL applies to any business that profits from alcohol — spirits, beer, or wine makes no difference. If alcohol shows up in your revenue, you need the separate line.
My landlord wants a COI with specific wording. How fast can I get it?+−
Same day once you're bound, and self-serve after that. Additional insured wording and specific limits are exactly the fine print we read before binding, so the certificate matches the lease the first time.
Let's get started.
Send in your details and a licensed professional will be in touch shortly. Prefer to talk now?
In a hurry? Call (513) 866-3655