Coverage that's ready when your restaurant needs it most
Running a restaurant means juggling a lot — from kitchen fires and spoiled ingredients to customer accidents and cyber threats. Even a small mishap can lead to big costs. That's why Gallagher offers insurance designed just for restaurants, so you can focus on serving great food while we help protect your business.
What we cover
At Gallagher, we understand the unique challenges you face in the restaurant business. Our small business risk advisors collaborate with you to craft an insurance program that addresses your specific needs. Learn more about coverage options below:
- General liability: Protects you if someone gets hurt or property is damaged at your restaurant.
- Business owner's policy (BOP): Bundles key coverages like liability, property, and business interruption.
- Commercial auto: Covers company vehicles used for deliveries or events.
- Cyber insurance: Helps with costs if your business data is breached.
- Professional liability: Covers claims like food poisoning or mistakes.
- Umbrella & excess liability: Extra protection for serious accidents.
- Workers' compensation: Helps with medical bills and lost wages if employees get hurt.
- Liquor liability: Covers alcohol-related incidents if you serve drinks.
Why restaurant owners choose Gallagher
Choice: We offer more value from broader market access: Backed by Arthur J. Gallagher, we leverage deep carrier relationships to match you with the right coverage at the right price.
We know restaurants: Our team specializes in small business insurance and understands the unique risks you face every day — whether it's property damage, employee injuries, or liquor liability.
Tailored coverage, clear options: We work with you to build a plan that fits your restaurant, combining essential protections like general liability, property, business interruption and more.
Fast help, real people: Our experts guide you through every step — from gathering info
24/7 access: Get answers and manage your policies anytime with our easy online portal.
How we work with you
As a restaurant owner, you have to make sure your property, employees and customers are protected from the unexpected. Without the proper insurance, minor incidents in the kitchen can turn into major financial loss. Whether it be a small kitchen fire, ingredient spoilage, employee theft, customer accident and much more, you need to be protected. We're here to help ease the stress and confusion around navigating multiple insurance policies.
Our team of licensed small business insurance experts speaks your language with the goal of making your experience simple and worry-free.
- We listen: Tell us about your restaurant and what matters most.
- We compare: We shop top carriers to find the best coverage and price for you.
- We support: From claims to certificates, our team and portal make insurance easy.
Ready to protect your restaurant?
Get restaurant insurance tailored to your needs.