The Key Insurance Coverages Every Restaurant Should Consider

Posted on by Jessica Ceriani

Running a restaurant means juggling a lot more than menus and reservations — you’re also managing data, employees, equipment, and high‑stakes daily operations. That’s why having the right insurance package matters. Beyond the basics, many restaurants choose to add optional coverages that protect them from industry‑specific risks.

Think of these optional protections as a buffet of coverages — you can choose the items that best fit your restaurant’s unique needs.

Spoilage Coverage

If refrigeration or heating equipment fails — or if there’s a power outage — this coverage helps reimburse you for lost food and income.

Business Income for Food Contamination

If public health authorities require you to close due to contamination, this coverage compensates you for lost income during the shutdown.

Liquor Liability

If your restaurant serves alcohol, this is essential. It covers legal expenses and damages that may arise from incidents connected to alcohol consumption.

Franchise Upgrade Coverage

For franchise owners, this coverage helps pay the additional costs needed to restore your space to brand standards after a covered loss.

Employee Dishonesty

Protects your business if an employee steals money, securities, or other property.

Employment Practices Liability (EPL)

Claims of discrimination, wrongful termination, or harassment — whether from employees, patrons, or vendors — can be extremely costly. EPL coverage helps safeguard your business from these risks.

Data Breach Protection

If customer or employee information is compromised, this coverage helps with response costs, legal fees, and even lost income.

Electronic Data & Computer Operations Coverage

From viruses to corrupted files, tech issues can shut down your operations. This coverage helps restore lost data and covers income lost during the outage.

How Our Agency Helps Restaurants Find the Right Protection

Every restaurant is unique — your insurance should be too. Our agency works closely with restaurant owners to:

  • Shop multiple top carriers to find the best pricing and coverage
  • Customize a protection plan that fits your operations, risks, and budget
  • Fill coverage gaps that could expose you to costly claims
  • Support you year‑round as your business evolves

Whether you run a small café or a busy full‑service restaurant, we make insurance simple, tailored, and affordable.