Fast Food Insurance

Insurance for Fast Food Restaurants

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Why Do Fast Food Restaurants Need Insurance?

As a fast food restaurant owner, you know that your business faces unique risks that require specific insurance coverage. Fast food restaurant insurance is designed to protect your business from potential liabilities and financial losses that can arise from unexpected events.

This type of restaurants serve a lot of food quickly, which can increase the risk of accidents and foodborne illnesses. With fast food restaurant insurance, you can have coverage for these incidents, as well as slip and fall accidents, equipment failure, cyber threats, and employee injuries.

Investing in insurance is a critical step in protecting your business, assets, and employees. Without it, you risk facing significant financial losses and interruption to your business operations. For example, fast food restaurants have a higher track record of customer lawsuits than other industries.

With coverage, you can continue to serve your customers quickly and efficiently while having peace of mind knowing that your business is protected.

What Insurance Do Fast Food Restaurants Need?

Business Owners Policy (BOP)

BOP Insurance is a package that combines the coverage of multiple products such as Commercial Property, General Liability and Business Interruption into one. This means that BOP will cover property damage, liability claims related to injuries and income losses if your restaurant is forced to close temporarily among other things.

Workers Compensation

Workers Compensation for restaurants covers your employees' medical costs and lost wages while recovering from a work-related injury or illness. The employee gives up the right to sue your company in return for receiving cash and benefits from Workers Compensation. In some states it’s mandatory for businesses!

Cyber Liability

Cyber Liability Insurance protects your restaurant from the theft of sensitive data. If you suffer a data breach or software attack, Cyber Liability Insurance will cover the costs of notifying and restoring affected customers, recovering data and repairing security systems.

Commercial Auto

Commercial Auto Insurance covers your cars, trucks, and vans used in your food business. It covers the costs from vehicle damage in collisions, theft, vandalism and weather damage. It also covers medical expenses for to injured parties.

Liquor Liability

Liquor Liability Insurance protects a small business that manufactures, sells or serves alcohol. Food business owners are protected from claims that occur when a customer drinks too much and injures himself or someone else.

Umbrella Policy

Umbrella Policy adds an extra layer of protection to professionals if a serious event or cumulative claims exhaust your current policy limits. It also covers you for events that would otherwise be excluded from your other policies.

3 Easy Steps to Get Your Restaurant Insured Today


Talk to an expert in restaurant insurance

Speak with an experienced agent for expert advice to get your restaurant insured quickly.


Flexible payment options

Choose from multiple payment plans to insure your restaurant business today.


Download your insurance certificate

Get your Certificate of Insurance (CoI) within a day, and show everyone you're insured.

Frequently Asked Questions About Fast Food Restaurant Insurance

What risks do fast food restaurants face?

Fast food restaurants face specific risks related to their business operations, such as food contamination, fire, hot oil burns, and slip-and-fall accidents.

With the fast-paced environment of these restaurants, employees can easily make mistakes that can lead to food contamination, which could result in lawsuits and financial loss. In addition, cooking equipment and heating sources can pose a fire hazard if not properly maintained or if there are mechanical failures.

Lastly, due to the high volume of customers and the nature of the business, there is a higher risk of slip-and-fall accidents. All of these risks can result in costly lawsuits and damage to a restaurant's reputation.

What does fast food restaurant insurance cover?

Fast food restaurant insurance provides coverage for the unique risks faced by fast food restaurants, including potential liability claims, cyber threats, and damage to property.

A comprehensive fast food restaurant insurance policy may include a business owner policy, which can help protect against property damage and liability claims, workers' compensation insurance to cover employees in the event of an accident or injury, and cyber liability insurance to help protect against data breaches and other cyber threats.

Additionally, commercial auto insurance can provide coverage for delivery drivers and liquor liability insurance can help protect against claims related to the sale or service of alcohol.

How much does it cost to insure a fast food restaurant?

The cost of fast food restaurant insurance can vary depending on several factors such as the size of the restaurant, the type of fast food cuisine served, the location, and the specific coverage needs of the business. Generally, a fast food restaurant insurance policy may cost anywhere from a few hundred to several thousand dollars per year. To get an accurate estimate of the cost of insurance for your fast food restaurant, it's best to speak with a licensed insurance agent who can help you evaluate your business's unique needs and find a policy that provides appropriate coverage at a reasonable price.

Do I need to insure my delivery drivers?

If you operate a fast food restaurant that offers delivery services, it's important to consider insurance coverage options to protect your business from financial risks associated with accidents involving your delivery drivers.

Hired and non-owned auto liability insurance can provide coverage for your business in case your delivery drivers get into an accident while working.

Additionally, it's a good idea to require that your drivers have Commercial Auto insurance that covers their vehicles, as Personal Auto policies typically exclude delivery activities.

What are the insurance covers that restaurant businesses like me usually get?

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