Food and Beverage Insurance

Our restaurant insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:

Damage to someone’s property

A server spills soup on a client’s designer purse and cell phone. The general liability coverage in your insurance package could help pay for replacements.**

Accidents that hurt someone

A customer slips and falls in your restaurant’s parking lot. Your restaurant general liability coverage could also come into play here by defending you from legal fees and helping to pay for damages if you are found liable.

Liquor liability insurance

An intoxicated customer accidentally knocks another patron to the ground on the way to the bathroom. The guest breaks her wrist in the fall and sues your business for the medical expenses. Liquor liability insurance can help with legal defense costs or any medical bills for which you may be held responsible.

Professional mistakes

Your staff incorrectly answers a customer’s question about ingredients and they wind up in the hospital with an allergic reaction. Our general liability policy includes professional liability insurance, which helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.

Workplace injuries

One of your cooks gets burned by hot oil in the kitchen and needs medical attention. Workers’ compensation coverage with business owner’s coverage can help cover medical bills and lost wages while they recover. Workers’ comp is usually required by law if you have employees.

Injuries and damage involving your business vehicles

Your employee accidentally reverses the restaurant’s van into a parked car. Commercial auto coverage can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Damage to your own property

A grease fire breaks out and damages most of your facility’s kitchen. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

Our affordable food cart insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:

Damage to someone’s property

You miscalculated the height of an awning and ripped it down with your food truck. The general liability coverage in your insurance package could help pay for a replacement.**

Accidents that hurt someone

Your cart’s wheel goes over a customer’s foot and fractures a toe. Your food cart general liability coverage could also come into play here by helping to pay for medical costs and legal fees.

Workplace injuries

You trip over a large crack in a sidewalk and sprain your ankle. Workers’ compensation coverage with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Injuries and damage involving your business vehicles

Your food cart rolls into a parked car and dents the rear bumper. Commercial auto coverage can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Damage to your own property

A fire in your storage space leaves your food cart unusable. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

Our catering service insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:

Damage to someone’s property

A busser accidentally damages counter tops at an event space with your hot pans. The general liability coverage in your insurance package could help pay for repairs.**

Accidents that hurt someone

A guest at an event gets a burn from a buffet chafing dish that requires medical attention. Your general liability coverage could also come into play here by helping to pay for medical costs and legal fees.

Workplace injuries

A server trips over a guest’s foot and sprains their ankle. Workers’ compensation coverage with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Injuries and damage involving your business vehicles

A driver in front of you stops short to avoid a collision and you rear end them with your catering van. Commercial auto coverage will help pay for the repairs and medical bills. This coverage is also usually required by law for business-owned vehicles.

Damage to your own property

A grease fire breaks out and damages most of your facility’s kitchen. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.