Restaurant Insurance

What keeps your customers coming back? You might have earned a regional following for your gastropub’s sublime duck-fat fries. Maybe they can’t resist the authentic Vietnamese dishes served at your family’s second-generation restaurant.

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Whatever your culinary specialty, you want to keep an “OPEN” sign in your restaurant’s window — and you can help protect your business with Farmers® coverage if the unexpected threatens to close your kitchen.

Farmers agents are small business owners like you, and understand challenges small businesses may face. They can discuss business insurance options as you choose coverage for your restaurant.

Farmers Restaurant Business Insurance helps manage these risks:


Property damage



A grease fire ignites in a flash and spreads quickly through your stove’s exhaust hood and flue duct.


Restaurant property insurance can help when fire, vandalism or other unforeseen disasters cause damage to your restaurant.

Customer illness or injuries



A customer suffers from food poisoning after a meal prepared by your restaurant.


Restaurant liability insurance can help cover costs when the food or drink you serve is responsible for accidents, mistakes or injuries.

Employee theft



An employee forges your signature on a company check that is cashed by a third party.


Restaurant crime insurance can help with losses from robbery, fraud, forgery or theft.

Employee injuries

Injured Son


A busy waiter scalds his leg when he trips and falls under a tray of hot drinks.


Workers’ compensation insurance can help with medical costs and related lawsuits when employees are hurt on the job.

Customized insurance coverage for restaurants

Farmers has many coverage options designed for restaurateurs — including:

  • Equipment breakdown coverage can help when a covered equipment failure causes damage or lost income.
  • Spoilage insurance can help if food spoils when a refrigerator breaks or the power goes out.  
  • Food contamination shutdown insurance can help with income lost when you’re forced to close for contamination — and it may even assist with the costs of complying with required fixes.
  • Business auto insurance can help with the cost of repairs and medical care when your delivery vehicle is responsible for an accident.

Farmers works to build strong customer relationships

Farmers has spent almost 90 years putting customers first. Are you shopping for coverage, or do you have a question about your policy? Maybe you’re ready to get a restaurant store insurance quote. Be sure to let a Farmers agent deliver personalized service and support.

You’ll experience a similar level of care from our knowledgeable claims representatives, who will provide assistance as quickly as possible.

To learn more about Farmers insurance options for your restaurant., call an agent today.


Farmers agent

Customizable options, personalized advice.

Talk to a Farmers® agent  about Farmers insurance options for your restaurant.

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Learn From Experience

Expand your knowledge base with articles relevant to you.

What Kind of Insurance Do You Need For a Restaurant?

I'm a chef and I'm in the process of opening my own restaurant. When I research restaurant insurance, it makes my brain hurt.  Can you tell me what kind of insurance restaurant owners like me should consider?

How Can I Make My Restaurant a Safer Place to Work?

You used the magic word: proactive. As an owner, you already know restaurants are full of potential safety hazards. It's a fast-paced business with more foot traffic than most retail or office environments—not to mention the flames, slippery surfaces and sharp knives in the kitchen.

What Does Business Liability Insurance Cover?

Congratulations on the new business! Looking into business insurance options is a smart move. Business liability insurance coverage can help you pay legal costs when someone — such as a customer or visitor — is hurt or suffers property damage and blames you and your business. If your company is found to be at fault, your business is legally responsible for the costs.