Insurance for Restaurants & Food Trucks

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. Perhaps your food truck’s lobster rolls remind everyone of summer in Maine.

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 or food truck.

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 food truck.


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 coverage for restaurants and food trucks

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 or food truck 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 or food truck, call an agent today.

Which types of coverage are important to restaurant owners?

QuestionI’m a chef in the process of opening my own restaurant. Can you tell me what kind of insurance restaurant owners like me should consider?

AnswerGenerally, property and liability, fire, workers’ compensation and business expense coverage are all important options to consider. It gets complicated from there. Restaurants – especially businesses serving alcohol, making deliveries or offering valet parking – have unique risks. 

Read more about insurance coverage for restaurants.