From specialty bakeries to late-night bars, food service businesses have a variety of risks they can cover with small business insurance. How much this insurance costs depends on the specifics of your business, how large it is, and where it's located.

To help you budget your business insurance, we provide these sample insurance cost estimates for the following types of food, drink, and catering companies:

Sample Quotes for Restaurant, Catering, and Bar Insurance

Sample Quotes for Restaurant, Catering, and Bar Insurance

The sample insurance quotes we provide are just cost estimates – ballpark numbers to give you an idea of what you could pay for insurance coverage and what it will likely include. In reality, numbers vary from region to region and from business to business. Some of the factors that affect the cost of your small business insurance include…

  • Your total revenue.
  • The size of your establishment.
  • The type of establishment you run.
  • The number of employees you have.
  • The number and type of insurance claims you've filed in the past (if any).

Yes, insurance even takes into account the type of business you operate. A Hibachi grill will have more risk (because of all the knife throwing and open flames) than more subdued dining establishments. Additionally, restaurants, caterers, and coffee shops that don't serve alcohol will have lower insurance premiums than those that do.

Sample Quotes

Bakeries | Bars and taverns | Caterers | Coffee Shops | Food Vendors | Delis | Food Trucks | Restaurants

To compare the cost of insurance for food services businesses with small businesses in general, visit Insureon's Business Insurance Cost Analysis. New browser window icon.

What Does Small Business Insurance Cover?

What Does Small Business Insurance Cover?

Lawsuits can strike any business. But they are especially problematic for cafes, bars, and restaurants because hundreds of customers walk through their doors on a busy day. That's hundreds of individual risks you face on a daily basis.

Some of the typical scenarios that restaurant insurance covers include…

  • Mistakes with large catering orders.
  • Illnesses and allergic reactions.
  • Customer slip-and-fall accidents.
  • Disputes with vendors, suppliers, and delivery people.

By running a food service business, you already have a lot on your plate. It's a relief to know that you don't have to worry about financing a lawsuit, too.

You can also get coverage for…

  • Your building and kitchen equipment.
  • Employee injuries and illnesses.

Some of these coverages are required by contracts and by law. Other policies are simply smart investments that prevent you from having to pay out of pocket for lawyers' fees, property damage, and other expenses that could bankrupt your business.

How to Receive Free Insurance Cost Estimates for Your Business

How to Receive Free Insurance Cost Estimates for Your Business

The insurance quotes linked above are general estimates, but you can receive free insurance quotes specifically tailored to your business. To do so, submit our online insurance application, and our agents will send you quotes from multiple carriers in a matter of minutes.

Grab-n-Go Information

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