Insurance That Understands
the Restaurant Business
From kitchen fires to customer slip-and-falls — restaurants face unique risks every day. Get the coverage you need from carriers that know food service.
What Your Restaurant Needs
Business Owner's Policy (BOP)
Bundles general liability, property coverage, and business interruption into one policy. Covers customer injuries, kitchen fires, and income loss if you have to close temporarily.
Workers' Compensation
Restaurant work means burns, cuts, and slippery floors. WC covers your team's medical bills and lost wages — and it's required in most states.
Liquor Liability
If you serve alcohol, you need this. Protects against claims from alcohol-related incidents involving your customers.
Food Spoilage Coverage
Power outage ruins $10,000 in inventory? Food spoilage coverage pays for the loss. Essential for any operation with walk-in coolers.
Commercial Auto (Delivery/Catering)
If you deliver food or cater events, your personal auto policy won't cover accidents during business use.
Why Businesses Choose IPA
- ✓ Quotes from multiple A-rated carriers (Hartford, Travelers, Liberty Mutual, CNA)
- ✓ One application — we shop it for you
- ✓ Response within 1 business day
- ✓ No obligation, no pressure, no spam
- ✓ Licensed in all 50 states
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