Comparing restaurant insurance comes down to three separate decisions: which coverages your concept actually needs, which carriers want to write it, and how you buy — direct from one insurer or through an independent agency that quotes several at once. The guides below take each of those comparisons one at a time, in plain language, with restaurant examples.
US Restaurant Insure is the restaurant insurance website of Provident Financial Group, an independent agency. One application lets us compare multiple carriers side by side for your concept, state and alcohol mix. Get Multiple Quotes within minutes.
Carrier and buying-channel comparisons
- biBerk vs. The Hartford for Restaurants
- Coterie vs. NEXT for Small Food Businesses
- Buying Restaurant Insurance Direct vs. Through an Independent Agent
- NEXT vs. biBerk for Restaurants
- NEXT vs. The Hartford for Restaurants
- Simply Business vs. an Independent Agent for Restaurant Insurance
- The Hartford vs. Travelers for Restaurants
- THREE vs. biBerk: Two Berkshire Hathaway Options for Restaurants
Coverage-vs-coverage comparisons
- BOP vs. General Liability for Restaurants
- Business Interruption vs. Extra Expense Coverage for Restaurants
- Cyber Insurance vs. Crime Insurance for Restaurants
- EPLI vs. General Liability for Restaurants
- Equipment Breakdown vs. Commercial Property Coverage for Restaurants
- Franchise vs. Independent Restaurant Insurance
- General Liability vs. Product Liability for Restaurants and Food Makers
- Hired & Non-Owned Auto vs. Commercial Auto for Restaurant Delivery
- Liquor Liability vs. Host Liquor Liability: What Restaurants Actually Need
- Occurrence vs. Claims-Made Policies for Restaurants
- Restaurant Insurance vs. Bar Insurance: How Underwriters See the Difference
- Umbrella vs. Excess Liability for Restaurants and Bars
- What Is Liquor Liability Per Occurrence vs Aggregate?
Where to start
- Best Restaurant Insurance Companies
- Restaurant Coverages
- How Much Does Restaurant Insurance Cost?
- What Insurance Do You Need to Open a Restaurant?
Frequently asked questions
What is the best way to compare restaurant insurance?
Compare identical coverage limits, deductibles and endorsements across several carriers at once, rather than comparing one direct quote against another. An independent agency can put multiple carriers on one comparison from a single application.
Is a BOP enough for a restaurant?
A business owner’s policy bundles general liability and property, but most restaurants also need workers’ compensation, liquor liability if they serve alcohol, and often hired and non-owned auto for delivery. See the BOP vs. general liability comparison above.
Does comparing quotes through an agency cost more?
No. Independent agencies are compensated by the carriers, so comparing through an agency does not add a separate fee to your premium.