Every restaurant has different risks. We'll help you build a policy that covers what matters most to your business.
Restaurant Insurance
Protect your restaurant, your employees, and your reputation with customized coverage from an independent agency. We shop top carriers to get you the right protection at the right price.
General liability, property, and liquor liability coverage
Workers' compensation for kitchen and front-of-house staff
Coverage for full-service, fast casual, bars, cafes & more
Fast quotes from multiple A-rated carriers
Insurance for Restaurants That Actually Fits Your Business
Running a restaurant means managing a hundred risks at once: slips in the kitchen, customer injuries, spoiled inventory, employee accidents, and more. Generic business insurance doesn't cut it.
At WeatherBee's, we specialize in restaurant insurance tailored to how your business actually operates.
Restaurant Insurance for Every Type of Operation
From quick-service to fine dining, we work with food businesses of all sizes and concepts. Here are some of the operations we specialize in:
Full-Service Restaurants
Sit-down restaurants with table service, including casual dining, fine dining, and family restaurants.
Fast Casual & QSR
Quick-service restaurants, fast food, counter-service, and fast casual concepts.
Bars & Taverns
Bars, pubs, sports bars, and nightclubs, including liquor liability coverage.
Coffee Shops & Cafes
Coffee houses, tea shops, bakery-cafes, and dessert bars.
Bakeries
Retail bakeries, wholesale bakeries, and bakery-cafes.
Food Trucks
Mobile food vendors, food trailers, and concession stands.
Catering Companies
Off-premise catering, event catering, and corporate catering operations.
Pizzerias & Delivery
Pizza shops, delivery-focused restaurants, and ghost kitchens.
Why Restaurant Owners Choose WeatherBee's
Knowledge
We understand restaurant risks, liquor liability, food spoilage, kitchen injuries, and slip-and-fall exposure.
Pricing
We shop multiple carriers to find competitive rates for full-service, fast casual, bars, and food trucks.
Experience
Years of protecting restaurants. We know what claims happen and what coverage actually matters.
Local Agency, Big Reach
A local team who answers your calls, backed by access to carriers who specialize in food service.
Real Businesses. Real Coverage. Real Results.
We've helped hundreds of business owners across the US find the right coverage, without the runaround. Here's what they have to say.
Getting covered shouldn't be complicated
We've simplified the process so you can focus on running your restaurant.
Get Your Restaurant Insurance Quote
Tell us about your restaurant and we'll get back to you with coverage options—usually within 24 hours. Or call us at 704-993-9060 to speak with a restaurant insurance specialist today.
Restaurant Insurance Carriers We Work With
We partner with A-rated carriers that specialize in foodservice and hospitality risks. That means competitive rates, flexible coverage, and underwriters who understand restaurants, from quick-service to full-service, bars to food trucks.
Restaurant Insurance FAQs
Q What kind of insurance do I need for my restaurant?
A
At minimum, most restaurants need general liability insurance, commercial property insurance, and workers' compensation (if you have employees). If you serve alcohol, you'll also need liquor liability coverage. We can help you determine exactly what coverage your specific operation requires.
Q How much does restaurant insurance cost per month?
A
Most small to mid-sized restaurants pay between $200-$800 per month for a comprehensive policy that includes general liability, property, and workers' comp. Costs vary based on location, size, revenue, and whether you serve alcohol.
Q Do I need liquor liability insurance if I serve alcohol?
A
Yes. If your restaurant serves beer, wine, or spirits, liquor liability insurance is essential. It protects you if an intoxicated customer causes an accident or injury after leaving your establishment. Many landlords and states require it.
Q What does restaurant general liability insurance cover?
A
General liability covers third-party bodily injury (like a customer slipping and falling), property damage, and advertising injury claims. It does not cover employee injuries (that's workers' comp) or damage to your own property (that's commercial property insurance).
Q Do you insure food trucks and catering companies?
A
Yes. We offer coverage for food trucks, catering businesses, mobile food vendors, and other food service operations beyond traditional brick-and-mortar restaurants.
Q How fast can I get a restaurant insurance quote?
A
In most cases, we can provide a quote within 24 hours. If you need coverage urgently, like before an opening or a lease signing, call us directly and we can often expedite the process.
