Coverage built around the realities of running a restaurant.

From property and liability to employees, vehicles and liquor-related exposures, restaurant insurance can involve several moving parts. Formula Insurance Agency helps you review the coverage you have, identify gaps and compare available options.

Request a Restaurant Quote Call 888-778-4987

Serving restaurants in Massachusetts, Rhode Island, Connecticut, New York & New Jersey.

What we review

Restaurant insurance is more than just a liability policy.

Each restaurant is different. The right insurance program depends on your location, sales, payroll, alcohol sales, equipment, delivery operations, vehicles and other exposures.

Already insured?
Send us your current policies and renewal information. We can review what you have before recommending changes.

Businessowners / PackageProperty and liability coverage for eligible restaurant operations.

General LiabilityProtection for common third-party injury and property damage claims.

Workers CompensationCoverage for work-related employee injuries and illnesses.

Liquor LiabilityCoverage considerations for restaurants that sell or serve alcohol.

Commercial AutoFor vehicles used in restaurant operations, subject to carrier eligibility.

Umbrella / ExcessAdditional liability limits over eligible underlying policies.

Equipment & PropertyCoverage for eligible building, contents, equipment and related property exposures.

Other Restaurant ExposuresCoverage needs can vary based on delivery, catering, entertainment and operations.

Why the right coverage matters

Restaurant risks can add up quickly.

These are a few of the exposures we look for when reviewing a restaurant account.

Liquor LiabilityAlcohol-related incidents can lead to serious injury claims. In 2024, 30% of U.S. traffic fatalities involved an alcohol-impaired driver.

Employment Practices LiabilityHiring, scheduling, discipline and terminations can create employment-related claims. Retaliation was alleged in 56.8% of private-sector EEOC charges in FY 2023.

Cyber LiabilityPOS systems and customer payment data make restaurants a target. Verizon reported 254 incidents in accommodation and food services in its 2023 industry data.

Business InterruptionA fire, water loss or equipment problem can stop revenue even while fixed expenses continue.

Workers CompensationKitchen and service work can involve burns, cuts, slips, lifting injuries and other employee accidents.

Umbrella LiabilityOne severe claim can exceed the limits on an underlying policy. An umbrella can provide an additional layer of protection.

Sources: National Highway Traffic Safety Administration (2024 drunk-driving data); U.S. Equal Employment Opportunity Commission (FY 2023 charge data); Verizon Data Breach Investigations Report (2023 industry data).

How it works

A straightforward review from quote to renewal.

Tell us about the restaurant

Complete our short restaurant form with your basic operations, sales, payroll and liquor information.

We review your coverage needs

We look at your current insurance, exposures and available markets to determine what makes sense to pursue.

Compare the options

We explain the differences in coverage and pricing so you can make an informed decision.

What helps us quote

Have this information handy.

To get started, we typically need your business name and location, a description of operations, estimated annual gross sales, payroll, number of employees, percentage of alcohol sales if applicable, current carrier and renewal date.

You do not need to have every document ready to contact us.

Start with the information you have. If additional applications, loss runs or policy documents are needed, we can let you know what to gather next.

Coverage availability, eligibility and terms vary by carrier and jurisdiction.

Request a restaurant quote

Let’s take a look at your restaurant insurance.

Use our restaurant quote form or call us directly. We can also review your current policies before renewal.

Request a Quote Call 888-778-4987