Running a restaurant takes hard work, dedication, and the right protection. At Emperor Insurance, we compare restaurant insurance options from multiple trusted insurance companies to help you find coverage that fits your restaurant, your operations, and your budget. Request your free restaurant insurance quote today and let our experienced, licensed agents help you compare your options and choose the policy that's right for your business.
Independent agency · Est. 2007
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Good coverage starts with a conversation. Let's find the right policy for you.
Quote Request Received!
A licensed agent will contact you within 1 business day.
Why Clients Choose Us for Restaurant Insurance
Real benefits. No gimmicks.
Alcohol Service Markets
Liquor operations narrow the carrier list. We work with companies that consider them.
Cooking Operations Documented Properly
Fryers, hoods and suppression systems all affect who will quote the risk.
Property, Liability and Workers Comp Together
One agency for all of it rather than three separate conversations.
Landlord Requirements Matched
Send the lease wording and a licensed agent will review what is being asked.
High-Turnover Payroll Handled
Restaurant workers comp needs accurate class codes and realistic payroll.
Certificates for Landlords and Vendors
Issued quickly, in many cases the same business day.
Food Service Businesses We Commonly Insure
Appetite in food service depends on cooking, alcohol and hours of operation. These are the businesses we most often quote.
Full-Service Restaurants
Table service with a full kitchen and, usually, alcohol.
Quick-Service and Fast Casual
Higher volume, simpler menus, different exposure profile.
Bars and Establishments Serving Alcohol
Where liquor liability drives the placement.
Cafes, Bakeries and Coffee Shops
Lighter cooking operations with walk-in customers.
Food Trucks and Mobile Vendors
Vehicles and cooking together, which not every carrier will write.
Caterers and Event Vendors
Off-premises work where venues typically require certificates.
Frequently Asked Questions
Common questions about restaurant insurance.
Yes. Alcohol service is one of the things insurance companies review when quoting a restaurant, and appetite varies from one company to the next. A licensed insurance agent can tell you which markets are open to your operation.
We work with insurance companies that consider a range of food service operations. Availability and requirements vary by insurance company and by how you operate, so speak with a licensed insurance agent about your specific setup.
Use the quote form on this page or call 305-253-5343. A licensed insurance agent reviews your information, compares restaurant insurance quotes from the insurance companies we represent, and follows up with the options available for your situation. There is no obligation to move forward.
Typically your restaurant operations, payroll, and current insurance. Depending on your situation, additional information may be requested. Insurance companies have different underwriting requirements. If you do not have everything to hand, a licensed insurance agent can still get started.
A captive agent represents one insurance company. As an independent insurance agency, Emperor Insurance works with multiple carriers, so if one changes its pricing or appetite we can look at others without you starting over, with the same licensed insurance agent throughout. Coverage, features and eligibility vary by policy and insurance company.
Keep the Kitchen Open
Restaurant, bar, cafe, and food truck coverage from specialty carriers.
Talk to a Real Agent Today
Call, email, or request a quote. A licensed Emperor Insurance agent will get back to you the same business day.