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Get the Restaurant Insurance You Need
Harper is a commercial insurance brokerage that specializes in two things:
Better Rates
Getting better rates on complete packages for businesses of all sizes.
Complex Cases
Covering the complex cases that make other brokers run away.
Why Choose Harper
Comprehensive Professional Protection
Harper provides complete professional liability coverage including errors and omissions, missed deadlines, data breaches, copyright infringement, and professional negligence claims across all industries.
Industry-Specific Expertise
Harper offers specialized coverage tailored to specific professions, from medical malpractice for healthcare providers to E&O coverage for consultants, and technology-specific protection for developers and IT professionals.
Complete Restaurant Protection
Harper provides comprehensive restaurant insurance including general liability, commercial property, workers' compensation, product liability, spoilage coverage, and equipment breakdown - ensuring complete protection for your establishment from kitchen to dining room across all foodservice operations.
Industry-Specific Expertise
Harper offers specialized restaurant insurance solutions tailored to your specific operation, from fine dining establishments and fast-casual chains to food trucks and catering services, understanding the unique risks and regulatory requirements of each foodservice segment.
Universal Foodservice Coverage
Harper serves diverse restaurant businesses including full-service restaurants, bars and nightclubs, coffee shops, bakeries, food trucks, catering companies, and delivery operations - ensuring every foodservice business gets appropriate protection regardless of concept or service model.
Financial Security Focus
Harper understands that "a single foodborne illness claim or kitchen fire can close a restaurant permanently" and provides coverage that protects your business from customer injury lawsuits, equipment failures, spoilage losses, and operational shutdowns, safeguarding both your restaurant investment and personal assets.
Realistic Risk Understanding
Harper recognizes that "restaurant risks are constant—from slip-and-falls to food poisoning allegations" and that claims can emerge "even from kitchens following strict safety protocols," providing protection against both everyday restaurant hazards and catastrophic events like fires or contamination incidents.
Affordable Protection
Harper offers competitive restaurant insurance packages with transparent pricing and specialized Restaurant Owner's Policy options, bundling essential coverages including liquor liability and spoilage at discounted rates while accommodating seasonal operations and varying revenue cycles.
Complete Claims Support
Harper covers legal defense costs, customer illness settlements, equipment replacement, spoilage reimbursement, lost income during closures, employee injury claims, and cyber breach expenses, ensuring your restaurant can survive and recover from covered losses without financial ruin.
Expert Policy Guidance
Harper's licensed insurance professionals help determine your restaurant coverage needs, explain liquor liability requirements, assist with proper equipment valuation, and provide education on food safety protocols, seasonal adjustments, and multi-location restaurant chain protection.
Peace of Mind Delivery
Harper helps restaurant owners "concentrate on creating exceptional dining experiences" by providing comprehensive insurance protection that allows them to operate confidently without worrying about the numerous liability exposures that come with serving food and beverages to the public daily
Are you a restaurant owner? Or in the food and beverage business? Are you aware of the variety of risks your small business faces? Restaurants face a variety of risks because of the nature of the business. One of your employees can slip and fall on wet floors or accidentally cut themselves. A patron can become ill after eating your food. A natural disaster can destroy your building and leave you unable to operate. Restaurant business insurance can protect you in all of these circumstances—so you must be prepared.
What is Restaurant Insurance?
Restaurant insurance is a comprehensive group of insurance policies designed to protect restaurants and food service businesses from property damage, customer injuries, foodborne illness claims, and other industry-specific risks that can threaten your operation's financial stability.
Who Needs Restaurant Insurance?
Every business that prepares, serves, or sells food should secure appropriate insurance coverage to protect against the unique risks of the foodservice industry:
- Fast Food Restaurants
- Fine Dining Establishments
- Coffee Shops & Cafes
- Bars & Nightclubs
- Food Trucks
- Catering Companies
- Bakeries & Doughnut Shops
- Ice Cream Parlors
- Delicatessens
- Pubs & Bistros
Essential Restaurant Insurance Coverage Types
General Liability Insurance
General liability (often called "slip-and-fall" coverage) provides crucial financial protection against third-party claims:
- Customer Injuries: Coverage for medical expenses and lost wages when customers slip on wet floors or are injured on your premises
- Property Damage: Protection when your staff accidentally damages customer belongings
- Advertising Injury: Defense against reputation damage or slander claims from competitors
Commercial Property Insurance
Protects your physical restaurant assets from fire, theft, burglary, and covered natural disasters. Essential for covering kitchen equipment, furniture, inventory, and building repairs after covered losses.
Business Income & Extra Expense Coverage
Also known as business interruption insurance, this coverage helps pay operating expenses (rent, payroll, utilities) when property damage forces temporary closure during repairs.
Workers' Compensation Insurance
Covers medical expenses, lost wages, and legal costs when employees are injured on the job - from kitchen burns to slip-and-fall accidents. Required by law in most states for businesses with employees.
Product Liability Insurance
Critical protection against foodborne illness claims and food poisoning lawsuits. Even with proper food safety protocols, customers can become ill and hold your restaurant liable for medical expenses and damages.
Liquor Liability Insurance
Essential for any establishment serving alcohol. Protects your business when intoxicated patrons cause property damage or injure others, including drunk driving accidents after leaving your restaurant.
Business Owner's Policy (BOP)
Combines general liability, commercial property, and business interruption coverage into one cost-effective package, typically ideal for smaller restaurants and independent operators.
Additional Coverage Options
Equipment Breakdown: Covers repair/replacement of kitchen equipment, HVAC systems, and refrigeration units damaged by electrical surges or mechanical failure
Commercial Auto: Required for food trucks, delivery vehicles, and catering operations
Cyber Liability: Protection against data breaches involving customer payment information
Employment Practices Liability: Coverage for harassment, discrimination, or wrongful termination claims
Garage Keepers: Protects customer vehicles if you offer valet parking services
Why Restaurant Insurance Matters
Operating a restaurant involves constant exposure to risks that can devastate your business financially. Harper Insurance understands that restaurant owners face unique challenges daily, from kitchen fires and customer injuries to foodborne illness allegations and equipment failures.
Restaurant insurance provides essential protection against:
- Property damage and equipment breakdown
- Customer slip-and-fall accidents
- Food contamination and spoilage claims
- Liquor-related liability incidents
- Employee workplace injuries
- Cyber attacks and data breaches
- Employment-related lawsuits
Restaurant Insurance Costs
Restaurant insurance costs vary based on several factors:
- Number of locations and square footage
- Type of cuisine and service style
- Whether you serve alcohol
- Years in business and claims history
- Coverage types and limits selected
- Property age and condition
Harper Insurance works with multiple carriers to find competitive rates that fit your budget while providing comprehensive protection for your restaurant operation.
Get Your Restaurant Insurance Quote Today
Don't let insurance concerns add stress to running your restaurant. Harper Insurance specializes in restaurant coverage and will help you build a comprehensive protection plan tailored to your specific operation.
Contact Harper Insurance today for a free restaurant insurance quote and expert guidance on protecting your foodservice business.
Let Harper Insurance handle your coverage needs so you can focus on creating exceptional dining experiences for your customers