Restaurant businesses are challenging in the sense that it needs many important components to be a success. Restaurant insurance is considered one of the important ingredients for running a successful restaurant of any size.

Restaurant insurance is a general term that covers different types of insurance including general liability insurance, commercial policies, and workers compensation. The cost of insurance varies depending on the size of the business and the limitation of resources. 

As a restaurant owner you will face liability on a daily basis so restaurant insurance is necessary to cope with the damage resulting from oil burns in the kitchen, breakdown of utensils or equipment or claim of any food poisoning by a customer. There are many other cases where you need to pay for the compensation. 

Here are some of the top companies providing insurance to the restaurant business.

Essential Restaurant Insurance Policies

Best Insurance Companies For Restaurant Insurance

Here are some of the top companies providing insurance to the restaurant business.

#1 The Hartford

★★★★★ - Elemental Risk Rating

The Hartford is playing a major role in the business insurance world. It is offering the best liability and property coverages for different kinds of business. Its services also include home insurance coverages for your personal property. The Hartford is the best platform that is combining general liability and professional liability policies. 

It gives you the choice to opt between different types of available insurance options for a restaurant business. There are customized picks that will give you a unique quote so, the Hartford has made it very easy to get a unique quote based on your choice. The Hartford mainly recommends the business owners' policy for its customers. The business owner policy includes general liability, commercial property, and business income. It is helping to protect your restaurant that will mitigate the risk that is associated with the restaurant business.

#2 Nationwide

★★★★ - Elemental Risk Rating

Nationwide is an insurance company that provides a variety of specialized products. It is mainly providing the service of reliable foodservice insurance. Nationwide can give you coverage for your food or beverage business. It provides foodservice insurance by helping to protect your restaurant, cafe, or coffee shop. This insurance company is offering different kinds of products for the sake of restaurant insurance. 

Most common services include commercial auto insurance that can be understood as worker’s compensation. It is also offering some other services such as property coverage, Equipment breakdown coverage, sewer coverage, drain coverage, and employee dishonesty coverage. Nationwide provides its customers with the business owner policy that includes the commercial property, business income, general liability, business property, and equipment breakdown.

#3 Liberty Mutual

★★★★ - Elemental Risk Rating

Liberty Mutual can help you to get a customized insurance plan to meet the specific needs of your restaurant business. It can help you to work with an independent agent to get the best insurance policy that can protect your restaurant business. Liberty Mutual is considered one of the powerful platforms in the business insurance world. Different factors can determine the type of insurance you should go with in the future.

There are a variety of restaurants that can serve different types of food and drinks during different time intervals. If you are a restaurant business owner then, keeping in view the above factors a knowledgeable agent can help you to figure out things in a quite easy way.