Serve With Confidence—We’ve Got You Covered
Custom Insurance Solutions for Restaurants, Cafés, and Food Service Businesses
Running a restaurant means long hours, tight margins, and unexpected challenges. Whether it’s a kitchen fire, customer injury, equipment breakdown, or a liquor liability claim, the risks are real—and costly. At RG Wright Insurance, we offer restaurant insurance packages designed to protect everything you’ve worked hard to build, so you can focus on delivering great food and service.
Coverage That Works as Hard as You Do
Tailored Protection for the Food & Beverage Industry
Every restaurant is different, from fine dining establishments to food trucks and local diners. We’ll help you build a policy that fits your business model, risk profile, and budget—whether you’re just opening or scaling to new locations.
Core Coverages
Protection from everyday risks.
- General Liability – Covers injuries, property damage, and lawsuits.
- Commercial Property – Protects your building, kitchen equipment, and furnishings.
- Business Interruption – Replaces lost income if you have to temporarily close.
Industry-Specific Add-Ons
Coverage unique to food service.
- Food Spoilage – Reimbursement for inventory lost due to power outages or equipment failure.
- Liquor Liability – Coverage if your business serves or sells alcohol.
- Equipment Breakdown – Repairs or replaces essential kitchen gear after a mechanical failure.
Employee & Cyber Protection
Safeguard your team and data.
- Workers’ Compensation – Required coverage for on-the-job injuries.
- Employment Practices Liability – Covers HR-related claims like wrongful termination.
- Cyber Liability – Protects sensitive customer data and online transactions.
Simple, Affordable Coverage for Busy Restaurant Owners
From fast-casual to full-service dining, your restaurant needs coverage that works behind the scenes. We partner with top-rated carriers to get you reliable protection at competitive rates—so you’re covered, no matter what’s on the menu.
Your Questions, Answered
Restaurant Insurance FAQs
Here are some common questions we get from food service owners:
What type of insurance is required to run a restaurant?
At a minimum, general liability and workers’ compensation. Many landlords also require commercial property insurance.
Do I need liquor liability if I only serve beer and wine?
Yes—any business serving alcohol should consider liquor liability coverage.
Can I insure my outdoor dining area?
Absolutely. Let us know what areas you use, and we’ll ensure they're included in your coverage.
Let’s Build a Policy That Supports Your Restaurant’s Growth
Contact us for a personalized quote and expert help designing insurance coverage tailored to your food service business.