Restaurant insurance, shopped across 20+ carriers

At a glance

Restaurant insurance at a glance

• A full-service restaurant needs multiple coverages working together. A restaurant faces simultaneous exposure from customer slip-and-falls, foodborne illness, alcohol service, kitchen fire, equipment breakdown, and employee injury; a BOP alone is rarely sufficient without additional endorsements.
• Liquor liability is excluded from every standard BOP. Any restaurant that serves beer, wine, or spirits must add liquor liability as a separate policy or endorsement; without it, there is no coverage for an intoxicated patron who causes harm after leaving your establishment.
• Workers' comp is mandatory in NV, OH, UT, and AZ from the first employee. Kitchen staff suffer among the highest injury rates of any civilian occupation; burns, cuts, slips, and musculoskeletal injuries make workers' comp essential and legally required in four of the five states LCI serves.
• Nevada does not have a dram shop statute, but liquor liability still matters. Although Nevada (NRS 41.1305) limits dram shop liability to knowingly serving a visibly intoxicated minor, civil suits still occur and liquor liability is contractually required by most commercial landlords and event venues in Las Vegas.

Source: Insureon, "Restaurant Insurance Costs" (2025): restaurants pay a median of $251/month ($3,010/year) for a BOP, $45/month ($538/year) for liquor liability, and $113/month ($1,359/year) for workers' compensation. Insureon.com/food-business-insurance/restaurants/cost.

The details

The parts of a restaurant policy

Requirements vary by state — your Liberty Choice agent confirms exactly what NV, AZ, UT, TX or OH requires.

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Ways to save on restaurant insurance

• Bundle BOP and liquor liability with one carrier. Placing the BOP and liquor liability with the same insurer eliminates coverage disputes at claims time and often reduces combined premium by 10–15% compared to separate policies.
• Invest in TIPS or ServSafe alcohol training for all staff. Documented server training is the single most effective way to reduce liquor liability exposure; carriers often provide premium discounts for restaurants with certified alcohol-service training programs.
• Install a grease-trap suppression system and service it annually. Kitchen fire is the most catastrophic restaurant loss; a properly maintained suppression system is required by fire code and directly reduces property and BOP premiums.
• Track and document all slip-and-fall incidents. A documented incident report procedure, even for minor events, demonstrates proactive risk management and provides evidence if a minor incident is later claimed as a serious injury.
• Review business interruption limits for adequate income replacement. Underinsured business interruption coverage leaves you paying rent and payroll during a closure from your own pocket; right-sized limits cost little more but provide complete protection.
• Work with an independent agent for annual market comparison. Liberty Choice compares restaurant programs from multiple carriers at each renewal; restaurant risk pricing changes frequently and a competitive rate at inception may not be the best at renewal. Call 702-742-6322.

Source: Insureon, "Restaurant Insurance Costs" (2025): bundling BOP and liquor liability with the same carrier and maintaining documented staff alcohol training are the most effective strategies for reducing total restaurant insurance spend. Insureon.com/food-business-insurance/restaurants/cost.