Restaurant Insurance2025-04-03T06:16:51-04:00

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Restaurant Insurance Quotes

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Save up to 37% with Fearnow Insurance

Dealing in the food industry by opening a restaurant is quite a risk, one that is stacked against restaurateurs.  According to a study conducted by the Ohio State University, 60% do not make it past their first year and 80% of those that do, don’t make it past year five.  Owning a restaurant is not just a financial risk, it is also a liability risk, so it is important that your restaurant has proper coverage against lawsuits or damaged kitchen equipment.

There are a few considerations you should make prior to selecting coverage that can affect the type or amount of coverage you need.

  • Restaurant location
  • Size of restaurant
  • Size of business (single location or chain)
  • Types of food you serve
  • Number of employees
  • Type of equipment you use
  • Other property that is expensive to replace (devices at each table, televisions, decor, etc.)

What Our Customers Say

Great experience. Joe has been working hard to find me great coverage at a good price after my original policy kept increasing. He was able to do that, found me better coverage at a much better rate. I appreciate him working so hard! Highly recommend.
Kenny Collins
19:00 03 Jul 25
Is it even possible to submit a 5 million star review of sales agent, Mr. Joseph Boyle with Fearnow Insurance Inc ? Mr. Boyle is a highly skilled professional and even more remarkable has exceptional interpersonal qualities: very congenial and displays highly caring empathy.In my own case, I recently received a renewal policy correspondence from my former insurance provider indicating that I would be paying over three times as much for car insurance because I purchased a new all electric vehicle. After an in office consultation with Mr. Boyle, he was able to search for a bundled alternative that ended up saving me a considerably large sum of money.If you are considering changes in your insurance coverages, please do not hesitate to contact Mr. Joseph Boyle with Fearnow Insurance Inc. You will be very happy with the results.
William Rind
17:44 03 Jul 25
Kayla Peel worked diligently on my issue. She has gone above and beyond with my claim making sure I was always in the know as to what the next steps were on getting my insurance paperwork corrected. Kayla was super pleasant to engage with whether it be by phone, text or email. She was kind, polite and very understanding. She definitely is very detailed oriented and seems to be a great asset to Fernow insurance. She made sure I was well taken care of. If I could give more than 5 stars I would have given her 100 more ⭐️.
Joanne Amaro
12:24 27 Jun 25
Joseph Boyle is very personable and caring. He worked hard to find the right homeowners insurance policy for me taking price and coverage into consideration. I am confident I have found a great insurance agent that will continue to assist me year after year. If you have ever considered shopping your current policy, I would highly recommend giving Joe a call!!!
Lizabeth Pierce
00:47 29 May 25
Joe did an excellent job helping select the right policy for me quick and easy process thanks joe
Creed Fury
19:53 28 May 25
Thank you Matthew Wink for your awesome service with my homeowners insurance every year a true blessing to have with great company thanks again.
Jermaine Miller
19:31 28 May 25
BIG THANKS to Matt Wink for the support on my new truck. He's always been very helpful and pleasant to work with.
Lenny Campbell
16:07 28 May 25
I just wanted to thank Madrienne James at Fearnow for her outstanding service. She helped us save thousands on our insurance and I cannot thank her enough for her efficiency and hard work. I would recommend Fearnow to everyone!
Karen O'Malley
19:08 21 May 25
I've been a customer of Fearnow for about a year now...I started out with one home insurance policy with Fearnow and now I've transferred over all my policies to them. Joe has been incredible in helping me find the best prices for all my properties. He is very responsive to all my emails and questions and most importantly he is very thorough with everything. He doesn't miss a thing ! I feel confident in knowing that I am in good hand with Joe at Fearnow Ins.
Mindy
18:17 15 May 25
I’ve been a customer of Fearnow for about 3 years now. I’ve trusted them with my home, auto, and life insurance policies.Joe and Matt have worked diligently to find me the best policies that meets my needs and don’t break the bank.Joe, in particular, went the extra mile when it came to my life insurance policy. He was a steadfast advocate for me and my family during the underwriting process and helped me lower my rate by requesting the consideration of a second opinion. If Joe hadn’t stood by my side, I’d have half the coverage for the same price.Therefore, I couldn’t recommend the folks at Fearnow enough. They really do put their customers needs first!
Nicholas Olson
01:47 12 May 25

The Fearnow Agency Advantage

  • We work for you, not the insurance carriers, to ensure your claims are processed efficiently and are paid out quickly.
  • Unlike a single-company agency, we have access to over 100 carriers, so we’re never limited in the services we can provide you.
  • We can save you up to 37% in insurance cost, or get better coverage for the same cost.
  • We always provide full disclosure of plan inclusions and exclusions.
  • We offer customized plans tailored specifically to your needs, instead of forcing you into a pre-packaged solution that won’t really work for you.
  • Our agents are continuously training, so they stay the leading experts in their field.

Restaurant owners will need the following types of insurance coverage, some of which are designed specifically for their industry and risks:

 General Liability

General Liability insurance is important for any business owner, including those opening their own restaurant.  General Liability provides coverage against lawsuits and claims of injuries from customers.  Restaurants are high risk of slip and fall claims because spilled food and drinks can pose a risk for injury if they are not thoroughly cleaned up.  If you feel that the coverage level offered under General Liability is not enough in the event of a claim, you can also purchase Umbrella insurance, which will raise your coverage limits.

Property Damage Liability

Property Damage Liability insurance protects against damage to your restaurant after a fire, flood, or natural disaster.  Property Damage Liability can help cover the cost of repairs, paying vendors, and paychecks for employees.  In addition to Property Damage Liability, owners should consider adding Business Interruption insurance.  This insurance covers the loss of income resulting from a fire or other catastrophe that disrupts the operation of the business.  It can also include the extra expense of operating out of a temporary location.

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Food Contamination

Sometimes food goes bad at a restaurant well before it should.  An employee may not properly store it, or someone may not lock the meat freezer.  However it may have happened, Food Contamination insurance will help cover the cost of damaged food, reducing the financial impact the loss has on your business.

Commercial Auto Insurance

If you provide delivery or catering services to your customers, then you need to make sure to opt for Commercial Auto insurance coverage in order to protect your drivers and your company from liability in the event of an accident.

Workers’ Compensation

Customers aren’t the only ones at risk for a slip and fall accident caused by spilled food or drink – your employees can become injured and unable to work.  To avoid liability for their injuries you will need Workers’ Compensation insurance.  Workers’ Comp is a type of Business insurance that is purchased by the employer that provides benefits to the employee in the event of a job-related injury, regardless of who was at fault.  Job-related injuries can include physical injuries, illnesses, and even some psychological or stress-related injuries caused by performing job tasks.  Florida law requires all employers to purchase Workers’ Compensation coverage when they have four or more employees.

Key Person Life Insurance

If your restaurant would go under in the event of your death, then you may want to consider adding Key Person Life insurance to your business policy. Key Person insurance is a Life insurance plan but one in which the beneficiary is the business.  The benefit can be used to hold the company over until a new head employee is selected, or can be used to properly shut down the business and pay off any debt or employee wages.

Restaurant Insurance | Fast & Easy Quote | Trusted for 30 Years

Restaurant Insurance Quote from Fearnow Insurance. Quality business protection that saves you money. 30 Years of serving Tampa, Brandon, Seffner area

Service Type: Business Insurance

Price: $$

Currency: USD