Restaurant Insurance

From food spoilage caused by equipment breakdown, fire damage, and employee or customer injuries onsite, Farmers Restaurant insurance helps protect you from the risks you face as a restaurant owner.

View Restaurant insurance options

Insurance Options for Restaurant Owners

Farmers Restaurant Owner's Package can be designed based on the challenges that you face as a restaurant owner. Contact a Farmers agent for a customized Restaurant insurance quote.

Common coverage for Restaurant owners:

Business Property

Business Property insurance covers losses if a fire, hail or another event damages your building and equipment, which could force you to close your restaurant's doors. It covers your restaurant location and inside contents including fixtures, furniture and valuable restaurant equipment.

Business Liability

Choose Business Liability insurance for accidents, mistakes or injuries that may occur at your restaurant. This may include a customer's claim of a broken tooth or illness because the food served at your restaurant was tainted.

Business Crime

Unfortunately, employee theft, robbery and forgery are obstacles you may encounter as a restaurant owner. Business Crime insurance covers you for losses both within and outside your restaurant.

Workers' Compensation

Accidents involving your employees may happen even in the safest, most code-compliant kitchens and dining rooms. We offer Workers' Compensation insurance for your restaurant so you are prepared when those accidents and illnesses occur.


For more details on Restaurant insurance coverage for your specific business needs, contact a local Farmers agent.