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Why You Need
Restaurant
Insurance
Protect your restaurant, café, bar, or food truck from customer injuries, foodborne illness claims, kitchen fires, and equipment breakdowns. Get tailored liability and property coverage with fast certificates and straightforward pricing.
If you own a business, you've probably been burned by insurance before, overcharged for coverage you don't need, or told "we can't cover that" when you need help most.
Better Rates
Complex Cases
Why choose Harper
Harper Insure specializes in restaurants, cafés, bars, bakeries, and food trucks. We understand the unique risks tied to kitchen operations, customer traffic, staffing, and equipment-heavy environments. Your coverage is built around real service-industry needs, not generic small-business templates.
Most restaurants cannot open or renew a lease without specific liability and property limits in place. Harper reviews your lease or loan documents, clarifies requirements, and structures your policy to match. We issue the certificates your landlord or lender needs without delays.
Restaurants face multiple risks—slip-and-fall injuries, kitchen fires, equipment breakdown, and spoilage. We help you combine liability, property, equipment breakdown, and business interruption coverage into a complete plan that protects your dining room, kitchen, and inventory.
Whether you’re opening your first location or expanding to a second, insurance needs change. We help restaurants adjust coverage across different layouts, menus, and service models—from dine-in to takeout or ghost kitchens—so each location stays properly protected.
Our team understands food-service operations: grease traps, hood systems, delivery exposure, liquor liability, and inspections. We explain coverage clearly, highlight must-have protections, and help you avoid unnecessary add-ons so you only pay for what your restaurant truly needs.
We work with A-rated carriers experienced in restaurant risks, offering better underwriting consistency, stronger claim handling, and policies aligned with health-department and landlord expectations.
From your first quote, you see clear pricing, limits, deductibles, and exclusions. We compare options so you understand cost differences and coverage trade-offs, helping you choose a plan that fits your risk profile and budget.
Share basic details about your location, equipment, seating, and food or alcohol service. We present tailored options and issue certificates same-day so you can complete inspections, onboarding, or lease requirements without delays.
What is
Restaurant
Insurance?
Restaurant insurance protects your business from liability claims, kitchen fires, equipment failure, and food-related incidents. It includes general liability, property coverage, equipment breakdown, and optional liquor liability or business interruption coverage to keep operations stable after unexpected events.
FAQs
Find quick answers to the most common questions about our services.
Pricing depends on size, location, equipment, alcohol sales, claims history, and service model. We compare plans to match your risk and budget.
Property and equipment coverage typically help repair damage from kitchen fires, plus optional business interruption can help replace lost income.
General liability may help if customers allege illness caused by your food, subject to policy terms and investigation.
Certificates can usually be issued the same day your policy is approved, helping you stay compliant with landlord and inspection requirements.
If your restaurant serves or sells alcohol, many states and landlords expect a liquor liability endorsement or separate policy. We explain your options and can help package liquor liability with your restaurant coverage if needed.
In many cases, once you choose a policy and it is issued, you can receive your certificate of insurance the same day. Harper Insure focuses on fast turnaround so you can move forward with inspections, openings, and renewals.
Get a
Restaurant
Insurance Quote
Get your restaurant insurance quote today and protect your guests, staff, equipment, and hard-earned business from unexpected risks.
