Commercial Insurance
Restaurant Insurance
Restaurant insurance for Arkansas restaurants, bars, cafes, caterers, and food trucks, built around your operation.
Running a restaurant means juggling staff, suppliers, and customers, and a single incident like a slip, a food allergy reaction, or a kitchen fire can put your business at risk. Restaurant insurance combines the coverages food businesses commonly need into a program built around how you operate.
We work with restaurants, bars, cafes, diners, caterers, food trucks, and delivery operations. Some carriers package these coverages together and others write them separately, so we'll compare options and recommend a program that fits.
What Restaurant Insurance typically covers
General and Liquor Liability
Helps cover customer injuries, property damage, and certain claims tied to food or alcohol served, subject to policy terms.
Property and Equipment
Helps cover your building or space, kitchen equipment, furniture, and inventory, with options for spoilage and equipment breakdown.
Business Income
Can help replace lost income and pay ongoing expenses if a covered loss forces you to close temporarily.
Workers' Comp, Crime, and Delivery
Coverage for employee injuries, theft and employee dishonesty, and hired and non-owned auto for staff who make deliveries.
Related coverage
Common questions
What insurance does a restaurant need?
Most restaurants need general liability, property, and business income coverage, plus workers' compensation if they have employees. If you serve alcohol, liquor liability is important, and delivery operations may need hired and non-owned auto coverage.
Do food trucks need different insurance?
Food trucks typically need commercial auto coverage for the vehicle along with general liability and equipment coverage. Many events and venues also require a certificate of insurance.
Is a Business Owners Policy a good fit for a restaurant?
Some restaurants qualify for a BOP that bundles liability and property coverage. Eligibility depends on factors like size and operations, and we'll review whether a BOP or a custom program fits.
Ready to protect what matters with the right restaurant coverage?
Tell us what you need covered and we'll compare carriers to find your best fit.