Protect Your Restaurant with Customized Coverage

From food trucks to fine dining, we help you stay protected from the unexpected.

Running a restaurant is hard enough

Your insurance shouldn’t be. We tailor policies for restaurants of every kind, helping you stay compliant, covered, and focused on what matters: your food, your staff, and your customers.

Cozy coffee shop with seating, a large plant, a chalkboard menu, and a barista behind the counter.

What Restaurant Insurance Covers

Two cartoon flames with pink and yellow colors emitting smoke.

🔥 Fire or kitchen equipment damage

Cartoon illustration of a steaming cheeseburger with a beef patty, cheese, lettuce, and bun.

🧾 Food spoilage due to power loss

Illustration of a water droplet with a pink cancellation mark, surrounded by black squiggly lines and small yellow and green circles.

💧 Water or pipe-related loss

Warning sign with a falling person symbol

🧍‍♂️ Slip & fall liability claims

A radioactive warning sign overlaying a cross-section of a human organ, indicating a medical alert or danger.

🦠 Foodborne illness liability

Illustration of a fire extinguisher with a hose and nozzle

🧯 Fire suppression inspections

Cartoon illustration of two cars crashing head-on, with a burst explosion between them.

🛵 Delivery vehicle incidents

A yellow food truck with a window where a worker is preparing food, and a man in a black jacket and cap ordering food, while a young girl in a beige coat and white beanie waits nearby.

What Affects Your Premium?

Each restaurant is unique. Your rate depends on:

  • Number of employees & payroll

  • Cooking method (open flame? fryers?)

  • Type of restaurant (quick-serve, fine dining, bar, Food truck)

  • Past insurance claims

  • Square footage & equipment

Core Coverages for Restaurants

  • General Liability:
    Covers slip & fall, food poisoning, and customer property damage.

  • Commercial Property
    Protects your kitchen, fixtures, inventory, and furniture.

  • Workers’ Compensation
    Required in most states. Protects your team if injured on the job.

  • Liquor Liability
    Essential if you serve alcohol—protects against alcohol-related claims.

  • Business Interruption
    Covers lost income if you need to shut down temporarily due to a covered loss.

  • Commercial Auto
    For restaurants that deliver or run food trucks.

A top view of people enjoying a meal with various plates on a round table, including waffles with berries and ice cream, a savory dish with greens, a mixed platter with vegetables and bread, and a skillet of shakshuka, along with cups of coffee and glasses of water.

Why Choose Next Door Insurance?

  • Local understanding of Oregon & California regulations

  • Rapid quote turnaround

  • E&O insured and licensed agency

  • Access to top-rated carriers like Rainbow, Hiscox, Chubb, Progressive & more

  • Tech-driven service with personal support

📥 Free Guides for Restaurant Owners

Unlock these premium resources instantly—just leave your email:

Guide Description Format
Proven Restaurant Marketing Guide7 strategies to boost revenue and loyaltyPDF
Cooking Temps PosterSafe cooking temperatures posterPDF
Digital Security GuideProtect your restaurant’s techPDF
How to Report a ClaimStep-by-step claims guidePDF
Manager Closing ChecklistNightly manager dutiesWord
Manager Opening ChecklistOpening prep checklistWord
NFPA Cleaning Cheat SheetFire code cleaning guidelinesWord

📬 Access All 7 Free Downloads

Restaurant Insurance FAQs

Q: Do I need insurance if I lease the restaurant building?
Yes—your landlord may cover the building, but you’re responsible for equipment, employees, and liability.

Q: What if I serve alcohol?
You’ll need a liquor liability policy, even if BYOB. This protects against alcohol-related incidents.

Q: What if I use delivery drivers?
You may need commercial auto coverage, even if they use their own cars.

Q: Is Workers’ Comp required?
In Oregon and California, yes—if you have employees, it’s mandatory.

Q: What’s the most important policy to start with?
Most restaurants begin with General Liability + Business Property. Add coverage as you grow.

A chef garnishing plates of fish and vegetables in a professional kitchen.