Restaurant insurance, perfectly crafted for your business.
With 20+ years of specialized restaurant insurance expertise, Insurance Kitchen's independent agents design tailored coverage that protects restaurants across all 50 states.
Explore tailored insurance built for the food service industry.
Eleven real coverage lines, each addressing a specific, well-documented restaurant risk — not a generic small-business policy stretched to fit.
General Liability Insurance
We cover customer injury and illness claims.
Property Insurance
We cover damage to your equipment and assets.
Workers' Compensation Insurance
We protect employees injured while working.
Employment Practices Liability (EPLI)
We defend your business against employee claims.
Liquor Liability Insurance
We protect against third-party injuries and property damage.
Food Contamination Insurance
We protect against foodborne illness outbreaks, product recalls, and contamination events.
Cyber Liability Insurance
We help protect your restaurant from modern threats like cyber attacks and data breaches.
Supply Chain Disruption Coverage
We craft protection when vendors and suppliers fail to deliver.
Business Interruption Insurance
We provide income replacement when physical damage or covered events force a temporary closure.
Business Owner's Policy (BOP)
We offer bundled insurance packages for essential coverage.
Commercial Auto Insurance
We cover delivery vehicles, catering vans, and food trucks against the business-use gap standard auto policies won't touch.
Where protecting restaurants is our specialty.
We understand that running a food business comes with unique challenges — from kitchen fires and equipment breakdowns to customer safety and staff protection. That's why we've crafted tailored insurance solutions designed specifically for the food service industry.
With our expertise and care, we help you safeguard your property, people, and reputation, so you can focus on what you do best — serving great food and creating memorable dining experiences.
Our mission: to protect the passion and profits of restaurant owners through tailored insurance solutions crafted from 20+ years of exclusive industry expertise — delivering clarity, coverage, and partnership beyond just a policy.
About UsTailored insurance solutions for every restaurant concept.
Every concept carries a different risk profile — here's how coverage adapts to each one.
Personal Chefs
Coverage for the knives and equipment that travel with you, wherever you cook.
Bakeries & Pastry Shops
Specialized coverage for early mornings, specialty equipment, and retail storefronts.
Catering Businesses
Designed for off-site catering, transportation, and event liability.
Coffee Shops & Cafés
Coverage for daily foot traffic, specialty equipment, and barista teams.
Fine Dining Restaurants
Built to protect upscale dining, premium staff, and high-value equipment.
Food Trucks & Mobile Operations
Designed for changing locations, commissary kitchens, and events.
Franchise Operations
Aligned with franchisor requirements while supporting growth and staffing.
Full-Service Restaurants
Covers front-of-house, back-of-house, employees, and daily operations.
Ghost Kitchens & Delivery Only
Covers equipment, staff, and liability for delivery-only concepts.
Multi-Concept & Restaurant Groups
Centralized strategies across multiple brands and operating models.
Pizzerias
Tailored for high-volume kitchens, delivery exposure, and heat-related risks.
Quick Service Restaurants
Built for fast-paced service, high turnover, and constant customer flow.
Two ways to get started today.
Talk to an Expert
Talk to an expert independent insurance agent today and get personalized guidance for your restaurant.
Call UsBuild an Online Quote
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Tell us about your restaurant and we'll put together the coverage that actually applies — or call and talk it through directly with an agent who only works with restaurants.