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The top restaurant insurance provider in the US

There are inherent hazards in operating a restaurant. For instance, a server can unintentionally spill coffee on a customer’s laptop, or a kitchen fire might completely cease business. Restaurant insurance can be useful if you don’t want to pay the costs of accidents out of your own pocket.

The term “restaurant insurance” typically refers to a business owner’s policy (BOP), which frequently includes business income coverage (also known as business interruption insurance), general liability coverage, and commercial property coverage. Owners may also require workers’ compensation insurance, commercial auto insurance, and other endorsements like liquor liability, equipment breakdown insurance, and food contamination insurance.

June 2023’s Top Restaurant Insurance

  • NEXT Insurance offers the fastest coverage.
  • Chubb Ltd. (CW) is the best for customer satisfaction.
  • BiBer is famous for Best for Financial Stability
  • FLIP (Food Liability Insurance Program) is known for Cheapest Coverage
  • Thimble has the most adaptable coverage.
  • Huckleberry, is the best online service provider

Insurance NEXT

Based in Palo Alto, California, NEXT Insurance offers small businesses insurance online. The business was started in 2015 by businessmen Guy Goldstein and Aviv Refuah. For small businesses, NEXT Insurance provides a range of insurance coverage options, such as general liability, workers’ compensation, commercial property, and commercial auto. The company’s policies are made to be affordable and simple to comprehend. By using technology to speed up the insurance process, NEXT Insurance is able to compete with more established insurance companies on pricing and service.

Since its inception, NEXT Insurance has expanded significantly. One of the fastest-growing insurance companies in the US, the business presently has over 420,000 clients. For its creative approach to insurance and dedication to customer service, NEXT Insurance has received high accolades. The National Association of Insurance Commissioners has recognized the company as one of the “Best Places to Work in Insurance”.

CW Chubb Ltd.

An international insurer with its main office in Zurich, Switzerland, is Chubb Ltd. (CW). In 2016, ACE Limited and Chubb Corporation merged to create the business. Chubb offers a comprehensive range of insurance services and products to people and businesses all around the world. Property and casualty insurance, life insurance, and reinsurance are among the services offered by the organization. Chubb operates in more than 55 countries and has more than 31,000 employees.

Chubb Ltd.’s market capitalization was $160 billion as of June 10, 2023. The cost of a share of the company’s equity is $150. A part of the S&P 500 index is Chubb Ltd.

Food Liability Insurance Program (FLIP)

A company called FLIP (Food Liability Insurance Program) provides food vendors all around the country with reasonably priced liability insurance. Food sellers can quickly and simply obtain a policy through the company’s user-friendly web platform, and the company’s affordable prices make it an excellent choice for enterprises of all kinds.

In addition to general liability, product liability, and food truck insurance, FLIP provides a range of coverage choices. Claims for property damage, bodily injury, and advertising injury are all covered under the company’s general liability insurance. Claims resulting from injuries brought on by faulty food products are covered by product liability insurance. Food truck insurance is a particular kind of insurance that protects food trucks against claims of bodily harm, property damage, and foodborne illness.

Being that FLIP is a claims-made policy, you are only protected for occurrences that take place and are reported while your insurance is in force. Compared to a claims-made-and-reported policy, this kind of insurance may be more expensive, but it may also provide more protection.

For food sellers looking for economical and complete liability insurance, FLIP is a fantastic choice. It is a convenient and cost-effective option to secure your organization thanks to the provider’s user-friendly web platform and market-competitive prices.


A member of the Berkshire Hathaway Insurance Group is BiBerk, a small business insurance provider. Warren Buffett created it in 2015, and it now has more than 200,000 happy clients. General liability, commercial vehicle, workers’ compensation, and errors and omissions insurance are just a few of the insurance products that BiBerk provides. The business is renowned for its straightforward online experience, affordable prices, and top-notch customer support.


General liability insurance, commercial property insurance, and cyber insurance are just a few of the insurance products that Thimble, an internet insurance provider, provides for small enterprises. The policies offered by Thimble can be purchased online or through the Thimble mobile app, and they are intended to be straightforward and reasonably priced.

Businesses are protected from claims of bodily injury, property damage, and advertising injury by Thimble’s general liability insurance. In addition, the policy covers court cases, settlements, and verdicts. Businesses are protected against damage to their property, including buildings, machinery, and inventory, through Thimble’s commercial property insurance. Theft and property loss are covered under the policy as well. Businesses are protected by Thimble’s cyber insurance from the financial repercussions of data breaches, viruses, malware, and other cybercrimes. The insurance plan covers costs including legal fees, business interruption, and data restoration.

The policies offered by Thimble are priced reasonably for small enterprises. The size of the company, the type of coverage, and the deductible all affect how much a Thimble policy will cost. Pay-as-you-go plans, annual payments, and monthly payments are just a few of the different payment choices that Thimble provides.

For small businesses searching for straightforward insurance at a reasonable price, Thimble is a smart choice. The plans offered by Thimble provide thorough coverage for a range of hazards and are simple to understand and purchase.


Small business insurance coverage are available through Huckleberry, an online insurance provider. Santa Ana, California serves as the company’s corporate headquarters. It was established in 2016. General liability, workers’ compensation, and professional liability are among the insurance products offered by Huckleberry. The company’s policies are made to be reasonably priced and simple to comprehend. To assist small company owners in get the insurance they require, Huckleberry also provides a variety of online tools and information.

The Conclusion

Given that it provides the kinds of coverage that the majority of restaurants want, Next is an excellent option for restaurant insurance overall. However, FLIP and Thimble are worth looking into if you own a small food business and require really affordable coverage. Consider BiBerk and Chubb if your restaurant business is bigger or you anticipate it getting bigger. For those looking for an internet supplier, Huckleberry is a wonderful choice.

Obtaining quotes from a few insurance companies that seem like a good fit is a wise first step. Then, contrast prices and coverage to determine which is appropriate for your particular circumstance.

How much does insurance for restaurants cost?

The price of restaurant insurance varies depending on a number of variables, such as the location, size, assets you want to cover, claims history, insurer, and more. Expect to pay at least $300 for food liability insurance and at least $450 for a restaurant business owner’s policy (BOP), according to our study.

What Is Insurance for Restaurants?

Restaurant-specific endorsements are added to a business owner’s policy (BOP) to create restaurant insurance. General liability and commercial property insurance are both included in restaurant insurance: Many restaurant owners choose to add liquor liability, food spoilage coverage, and equipment breakdown coverage, among others, to their BOP policies. Some BOP plans also provide business revenue coverage.

What Kinds of Insurance Do Restaurants Need?

At the very least, restaurants require general liability insurance. Most require commercial property insurance in addition to a wide range of other protections, including product liability insurance, liquor liability protection, workers’ compensation insurance if they have employees, and commercial auto insurance if they utilize vehicles for business purposes.

How Much Does Food Truck Insurance Cost?

The annual cost of food liability insurance for a food truck can be as little as $299. However, that excludes commercial property insurance, commercial auto insurance, and a trailer endorsement (if you run a food trailer as your place of business). The cost of these frequently necessary restaurant insurance coverage will rise to far over $1,000 a year.



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