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Sevyn's Story

Only the Best for Her Bistro

Sevyn had been running her bistro for about 3 years and loved the community that had formed there over time. She enjoyed seeing the regulars who came every day for lunch as well as the newcomers. Almost as much as she liked the community, Sevyn also liked to be prepared. So when it came to picking out insurance, she turned to Insurance Maestro for the very best policy.

Since Sevyn was able to find the best insurance for her bistro through Insurance Maestro, she was taken care of when the power went out and all her refrigerated food went bad. Within a few days, all was back to normal, and Sevyn could go back to serving good food to her community.

A Quick Guide to Restaurant Insurance

At Insurance Maestro, we understand you want to find the best Restaurant Insurance possible. It needs to strike the right  balance between affordable and comprehensive. Our friendly team of insurance experts are here to support you, and we’re always happy to answer any questions you might have.

Frequently Asked Questions
about Restaurant Insurance

What liabilities are not covered by commercial general liability insurance?

Typically, environmental liability, professional liability, and liquor liability aren’t covered by standard general liability insurance. As a restaurant owner, if you sell liquor, you’ll want to make sure you have liquor liability coverage in place as well.

Who needs to buy restaurant insurance?

Restaurants come in many different forms; here’s a few examples of those businesses who can benefit from purchasing restaurant insurance: Coffee shops, cafes, food delivery services, fast food outlets, diners, delis, lounges or taverns.

What factors impact the cost of buying insurance for a restaurant?

There are lots of things an insurer will look at when they provide you with a quote for your restaurant’s insurance; here are some of the most important factors they’ll review.

  • Your location and opening hours
  • The type of business you operate – Do you deliver? Do you serve alcohol? etc.
  • The claims history of the restaurant
  • The experience you have in your sector/years in business
  • The size of your restaurants, including your annual revenue and no. of staff
  • Any specific coverage levels, limitations, and policy deductibles

As you can appreciate, there are many moving parts to consider. We can help you crunch the numbers and get you the most competitive insurance quotes for your restaurant.

We're Here For You

At Insurance Maestro, we want to help you find the best Restaurant Insurance for your company’s needs. If you contact us directly, our team of experts will be happy to offer guidance about the different types of coverage you might need to buy. 

Thinking about buying Insurance for your Restaurant?

Read this first.


At Insurance Maestro, we understand you want the best insurance for your restaurant, without having to speak an excessive amount of time getting quotes and trying to work out the right levels of insurance for your business. Our expert team of commercial insurance experts are here to support you, and we’re always happy to answer your questions, and do some of the leg work in terms of getting you the best prices and quotes for your restaurant’s insurance 

We know you want to focus on running your business, and we’re here to make sure the process of buying insurance for your restaurant as easy as possible.

Quick Guide to Buying Restaurant Insurance

With so many options, where do you start?

Simple – start with your essential insurance, then take into action the add-ons, and consider which offer the most relevant value to your business. Some people have a tendency to over-insure to make sure every eventuality is covered; while others will under insure, and potentially miss out on those extras that could make a real difference to their business in the event a claim needed to be made. Whichever ‘bucket’ you fall into, speaking with our team can help give you that perfect element of balance. 

We’ll make sure we understand the inner workings of your business; whether you are a deli, café, or a busy 150 cover restaurant; and we’ll only suggest the products and add-ons that make sense for your business. 

Here’s a quick list of the different types of restaurant insurance you can buy.

General Liability Coverage
Essential to cover against any third-party claims of damage to property or person. In some cases, it will also cover advertising injury.

Commercial Property Coverage
Another essential – and if you lease a building, then it could form part of your contract. It covers the physical building, along with your equipment, inventory*, furnishings, signage, and more. 

*As you’ll be keeping temperature-sensitive products and inventory on-site, you’ll need to look at coverage for spoilage too*

Business Interruption Insurance
If you’re buying the above two insurances in a business owner policy, you will usually get this coverage included as standard. It can give you a portion of any lost profits and potentially cover some of your staff’s lost wages after a covered event.

Workers Compensation Coverage
Again, another essential! This is state mandated in most places, and it can cover medical expenses for any employees who are injured at work or whom develop a work-related injury.

Other types of insurance that you can consider for your restaurant, include:

  • Employment Practices Liability
  • Employment Benefits Liability – only applicable if you provide benefits to your staff
  • Liquor Liability – only relevant if you serve alcohol or allow people to bring their own
  • Garage Keepers Liability – only applicable if you have a valet parking services
  • Commercial Auto – only relevant if you have company-owned autos, or if wither yourself or your staff use a vehicle for work-related reasons

Add-on Options 
Here’s a list of most of the endorsements and riders you can buy for your restaurant’s business. Speak with a member of our team to find out which will and will not apply to your business. 

  • Spoilage Cover – this can cover losses caused by a failure of cooling equipment.
  • Extra Expense – if your restaurant needs to close or relocate after a covered event, this can cover rental costs of temporary premises.
  • Non-hired and owner auto insurance – if you deliver food, you might need this.
  • Peak season – if you are a seasonal business, this should be considered.
  • Employee theft – never something that restaurant owners foresee, but sadly, it does happen. This is usually excluded from standard commercial insurance, but it is offered as an add-on.
  • Equipment breakdown – most restaurants couldn’t operate as usual if their equipment breaks down, this will usually cover both mechanical and electrical breakdowns.
  • Sewer backup – This is usually excluded from standard property insurance for restaurants. If you are affected by a sewer backing up, you can get protection with this add-on.
  • Utility Interruption – If your water, electricity, or gas supply is interrupted, it can have a major impact on your business. This provides you with coverage for an incident such as this. 
  • Fine Arts – If you have invested in art works for your restaurant, this add-on will give you adequate coverage for their value.
  • Data Breach/electronic data processing – whether you take bookings and payments online or in-person, these modern-day endorsements are key.

Got a question? We’ve got answers.

Our team of friendly insurance experts will be happy to discuss your restaurant’s individual needs. Contact us today, and we’ll work through the options for you, leaving you free to focus your attention back on growing your business, and taking care of your team and your customers. 

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