High volume, hot oil, teenage staff, and a drive-thru — fast food carries a specific risk profile, and carriers price it that way. Whether you’re independent or a franchisee, the right QSR package covers the fryer fire and the slip-and-fall without paying bar-and-grill rates. Get multiple quotes within minutes.
What fast food insurance covers
- General liability — customer slips, hot-beverage and food-injury claims, and property damage
- Property coverage — kitchen equipment, fryers, hood systems, signage, and buildout
- Workers’ comp — burns and cuts are the classic QSR claims; required once you have staff
- Product liability / foodborne illness — included with GL, and the claim type QSRs fear most
- Hired & non-owned auto — if employees deliver in their own cars, your GL won’t cover the crash
How much does fast food insurance cost?
Your real number depends on payroll, operations, and carrier appetite — comparing several quotes side by side is the only way to see it. Fryers and hood systems drive the property rate — documented hood-cleaning contracts genuinely lower premiums. See the full restaurant insurance cost guide.
Franchisees: your brand sets the floor
If you operate a franchise, your FDD dictates minimum limits, additional-insured wording, and certificate requirements — see our complete franchise restaurant insurance guide, and we’ll quote to your brand’s exact requirements.
Frequently asked questions
Do I need commercial auto if delivery drivers use their own cars?
You need hired & non-owned auto (HNOA) coverage — personal auto policies exclude business delivery, and without HNOA a driver’s accident can become your restaurant’s lawsuit.
Does general liability cover food poisoning claims?
Product liability for foodborne illness is typically included within general liability — it’s one of the most important protections a QSR carries.
Ready for your number? Get multiple quotes within minutes from an independent agency that shops top carriers for your restaurant.