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Small business insurance solutions for restaurants

Restaurant ownership is risky business. The right insurance is necessary for restaurant owners to protect their investments and ensure long-term success.

Running a restaurant comes with its fair share of risks. From accidents in the kitchen to customer injuries, unforeseen events can disrupt business and put the restaurant owner's financial stability at stake. That's why having the right insurance coverage is crucial.

At Victor, we offer a range of small business insurance solutions specifically tailored to the needs of restaurant owners, including:

  • Liability coverage, which helps protect against incidents such as customer slip and fall accidents, foodborne illnesses, property damage, or lawsuits related to advertising.
  • Workers’ compensation that covers injuries to restaurant employees.
  • Property coverage to protect the against covered losses to business personal property, owned buildings, and business income as well as options for food contamination or spoilage losses, employee theft and more.
  • Cyber insurance that protects the restaurant against cyber threats and data breaches.

Download the Restaurants highlight sheet

Learn more about each individual coverage below.

Coverage highlights for restaurants

Restaurant class code guide

Beyond the basics: Optional coverages and endorsements for restaurant owners

As a restaurant owner, it is important to consider additional insurance coverages beyond general liability, building, and business contents.

Additional resources for restaurants

Articles and claims scenarios to share with your restaurant clients to help them better understand their risks.