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Food and Accommodation Insurance

Get business insurance with optimized coverage to meet your exact needs

Or call (646) 844-9933 for advice and customized recommendations.

Who Needs Accommodation, Food and Beverage Insurance Insurance?

Accommodation, Food and Beverage Insurance will be needed if you run any of these services:

What insurance do you need when you work in Accommodation, Food and Beverage?

General Liability Insurance

General Liability Insurance can protect your wholesale trade business from accidents and other mishaps, whether the result of a slip-and-fall accident or other, more severe injuries.


Example... The delivery man is injured by machinery while bringing a shipment of cargo to your warehouse. General Liability Insurance would be able to cover any medical expenses or legal fees involved in the accident.

Workers Compensation

Workers Compensation is often found in the hospitality industry as it covers a large team exposed to various risks. If an employee suffers a work-related injury, Workers Comp will cover their medical costs and lost wages while they’re recovering.

Example... A cleaner slips while cleaning a table, leading to injury. She receives Workers Comp and gives up the right to sue you for damages.

Business Owners Policy (BOP)

Business Owners Policy (BOP) is for business owners in the accommodation, food and beverage industry who want to bundle together general liability and commercial property into one package at a reduced cost.

Example... An employee at your BnB drops a some plates onto a customer’s foot, leading to injury and damage to the stock and the floor. BOP helps cover the related costs.

Commercial Auto

Commercial Auto protects your commercial vehicles if they’ve involved in road accidents. It also covers damage caused by theft, natural disasters, and vandalism.

Example… Your company car is vandalised after leaving it in a parking lot while on a business visit. Commercial auto will help cover the repair costs.

FAQs: Food and Accommodation Insurance

Why do food and business owners need insurance?

Restaurant insurance is a necessary component of any long-term operation. A pricey lawsuit from a visitor or staff member leads a restaurant to close its doors faster than anything else.


You'll need Food and Beverage Liability Insurance if you operate a small business that sells food or beverages, even if it's not your major source of income. This insurance coverage covers you against the dangers of serving food and beverages in a restaurant.

How does general liability insurance protect restaurants?

General liability insurance is required by a restaurant to cover bodily injury and property damage claims resulting from events such as slips and falls. The insurance also includes product liability coverage, which protects your business from claims related to food poisoning.

How does business insurance protect food carts?

Food cart insurance is a type of liability insurance designed to cover the costs of liability claims for food cart enterprises. Food carts face a number of liability concerns as meal industry firms, ranging from trip and fall incidents to customers being ill as a result of their food.

Which businesses in the hospitality sector can benefit from this insurance cover?

Many subindustries fall under the umbrella of Accommodation, Food and Beverage that would benefit from this insurance cover:


  • Cafeterias and Buffets
  • Catering Businesses
  • Concession Stands
  • Food Service Contractors
  • Food Trucks
  • Hotels and Motels
  • Restaurants
  • Bars, Clubs and Other Drinking Places

Are You Ready to Get Covered?

Prefer to speak with a CoverWallet consultant? Call

(646) 844-9933