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Restaurant Insurance

Our customizable restaurant insurance is designed to meet the unique challenges of the food service industry.

Waiter at restaurant serving an appetizer to a group of four friends.
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Baker icing cupcakes.
Coverage at Westfield

What is Food Business Insurance?

Often referred to as restaurant insurance, this coverage consists of a combination of policies designed to help protect your business against various risks. Just as you strive to deliver satisfying dining experiences to your patrons, Westfield is dedicated to finding the right insurance solutions for your operations. From food liability insurance to workers’ compensation, we’ve got you covered.

Whether you run a catering business, fast food restaurant, or fine dining establishment, we tailor our policies to fit your unique needs. And our coverage is backed by decades of experience in the hospitality industry as Westfield operates several restaurants and catering services at our headquarters.

Chef cooking in commercial kitchen.
How It Works

What Does Restaurant Insurance Cover?

Westfield offers the essential protections that you expect, plus extended coverages specifically crafted for the food service industry. Our agents work with you to create a mix of policies and endorsements to address everything from food contamination and spoilage to signage damage and cooler breakdowns.

Popular Coverages

What Insurance Does a Restaurant Need?

When it comes to restaurant business insurance, there is a range of coverages that you should consider. While the exact insurance you need depends on your specific operations, you likely need liability insurance. Here are some of the coverages* that food service businesses commonly rely on.

General Liability

Help protect your restaurant from the financial impacts of lawsuits and claims related to customer injuries, property damage, and advertising injuries.

Commercial Property

Safeguard your restaurant space, whether leased or owned, including on-site kitchen equipment, products, and supplies.

Business Interruption

Ensure your food service business can cover ongoing expenses and maintain cash flow if operations are disrupted by a covered event.

Commercial Auto

Keep your operations running smoothly by protecting the vehicles used for delivering orders, picking up ingredients, and other business needs.

Equipment Breakdown

Shield your restaurant from costly repairs and downtime when essential kitchen equipment fails due to a mechanical or electrical issue.

Workers’ Compensation

Help cover the medical care, rehabilitation costs, and lost wages for employees who are injured while working at your restaurant.

Crime Insurance

Safeguard against the theft of money and securities by employees or others, whether on-site or off-site, under specific circumstances.

Commercial Cyber

Help your business respond to and recover from cyber-attacks, including breaches of customer information and damage to electronic records.

Commercial Umbrella

Gain additional protection that extends beyond the limits of your standard business policy for larger liability risks and exposures.
Employee at ice cream shop serving a couple.
Operations We Serve

Do Restaurants Need Insurance?

No matter if you manage a small ice cream shop or a large catering business, insurance is vital to your financial stability. Almost every restaurant should have insurance to help avoid covering costly claims and liabilities out of pocket. Here are just some of the operations that typically need food business insurance:

  • Bakeries
  • Cafés
  • Cafeterias
  • Casual Dining
  • Caterers
  • Coffee shops
  • Fast casual restaurants
  • Fast food restaurants
  • Fine dining establishments
  • Food stands
  • Food service contractors
  • Food trucks
  • Full-service restaurants
  • Ice cream shops
  • Pizza parlors
  • Sandwich shops
  • Wineries 
SureStep® BOP

Restaurant Insurance for Small Businesses

Many small to midsize restaurants opt for a business owners policy (BOP), which combines essential coverages into one convenient, affordable package. Westfield’s SureStep BOP includes property, business interruption, and general liability insurance, with the option to add other industry-specific endorsements and coverages.
EXPLORE OUR BOP
Barista handing coffee to customer.
Pricing Factors

How Much Does Restaurant Insurance Cost?

The cost of restaurant business insurance varies as it depends on several factors, including:

  • Business size
  • Claims history
  • Location
  • Number of employees
  • Type of cuisine
  • Alcohol service
  • Service models

The best way to get an estimated insurance premium is to request a quote from one of our experienced agents.

Risk Control Services

How Can Restaurants Prevent Losses?

As a Westfield commercial insurance policyholder, you gain access to risk control resources and services, including a team of consultants with hospitality expertise. We’re here to support you in creating effective safety solutions for your restaurant.
VIEW SERVICES
Why Westfield

What To Consider When Purchasing Restaurant Insurance?

When selecting restaurant insurance, choose a policy that addresses your operation’s specific needs and is supported by a reliable, experienced carrier. Look for these key benefits:

Customizable Coverage 

Our independent agents customize your policy to match the specific needs of your operation and budget.

Financial Strength

Westfield has been “A” Rated (Excellent) by AM Best for financial strength since 1934.

Industry Experience

Decades of managing restaurants and catering services helps ensure coverage that is tailored to your risks.
Restaurant Insurance Quotes

Find an Agent Near You

Our hands-on experience with the food service industry enables us to create restaurant insurance policies that provide the right coverage for your operations. Contact an agent for a personalized quote today.
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*Please review your actual policy language to see applicable coverages, limits, and exclusions.