Restaurant insurance, written for independent operators.
Property + BI, liquor liability, spoilage, and workers comp for single-location and multi-unit restaurants. Lower broker commissions and 24-hour turnaround.
Why Delegance Brokerage
Achieve an average of 60% reduction in commission costs.
Most brokers bake 15–20% commission into your premium. We negotiate ours down and shop the risk across the carriers actually competing for your class. Identical coverage, lower spend.
Reduction in broker commissions vs traditional firms
Annual savings for our largest single client
From submission to quotes back, on most classes
How it works
Onboard in minutes. Quotes in 24 hours.
- 01
Save up to 60% on broker commissions. We shop the carriers that actually compete for restaurants in your state and class.
- 02
Property + BI sized to weekly food cost and labor, not a generic small-business template. Liquor priced separately when it applies.
- 03
COIs in minutes through the portal — landlord, vendor, or new-location compliance never waits on a broker.
Carriers we shop in Restaurants
Coverage
What we quote in Restaurants
Property + Business Interruption
Building, equipment, and BI sized to your weekly cover counts and food cost.
Liquor Liability
Dram shop coverage tuned to liquor-vs-food revenue split. Standalone or as a BOP rider.
General Liability
Slip-and-fall, food-borne illness, and assault-and-battery sublimits where needed.
Workers Compensation
BOH/FOH split-class review and tip-credit handling that actually reflects your payroll.
Spoilage
Walk-in cooler/freezer breakdown coverage with realistic food-cost limits.
Cyber Liability
POS breach, payroll fraud, and customer-data compromise coverage.
Frequently Asked
Restaurants insurance questions, answered.
What does restaurant insurance typically cost?
Premium depends on sales splits (food vs. alcohol vs. catering), payroll, seating count, state, hours of operation, and prior loss history. A QSR with no liquor and limited hours quotes very differently than a late-night bar with an entertainment license. Final cost is subject to underwriting and the carriers actively writing restaurants in your state.
What is liquor liability and do I need it?
Liquor liability — also called dram shop coverage — responds when a person harmed by an intoxicated patron sues the restaurant that served them. The standard CGL form excludes liquor liability for any operation that sells, serves, or furnishes alcohol, so it must be placed separately. States like New Jersey, Massachusetts, and California have aggressive dram shop case law and require higher limits; Delaware has no dram shop statute at all. If you serve alcohol, you need it.
Why is assault and battery often excluded from restaurant GL?
Most restaurant GL forms exclude bodily injury arising from assault and battery on the premises because carriers treat it as a security exposure rather than a hospitality one. For bars, late-night restaurants, and venues with security staff, an A&B endorsement is added back with a sub-limit and per-incident retention. If your operation runs past 10pm or hosts events, it's a question we ask up front.
What policies does a restaurant need?
A typical restaurant program includes Property with Business Interruption, General Liability, Liquor Liability if alcohol is served, Workers Compensation, Equipment Breakdown, Spoilage, Cyber for the POS, Hired and Non-Owned Auto if anyone drives, and EPLI for operations with 5+ employees. Coverage is subject to underwriting.
How fast can I get a Certificate of Insurance for the landlord or a vendor?
Standard ACORD 25 certificates issue in seconds through the portal, ChatGPT, Claude, Slack, email, or phone. Custom holder language (additional insured, waiver of subrogation, primary and non-contributory) is typically produced within minutes after a licensed broker confirms the wording. There is no per-COI fee.
How does Delegance reduce broker commissions?
Routine work — intake, COIs, endorsements, policy Q&A, renewal triage — runs through Orin, our insurance-specialized language model. Licensed brokers focus on judgment work like carrier selection, complex coverage, and claim advocacy. Across the customer base we average a 60 percent reduction in broker commission cost versus a typical commercial brokerage. That is an average, not a guarantee.
See what your number looks like.
Send your current declarations page or answer a few questions. We'll have quotes from the carriers competing for your class within 24 hours.
No call required. A licensed broker reads every submission.
Reach us how you work
Same conversation across every channel.
Restaurants insurance guides
From the brokers who place the class
Restaurant insurance: the full program a restaurant actually buys
What restaurant insurance includes: BOP vs package, property and business income, liquor liability, workers comp, and how your concept changes the program.
Read the guide →Restaurant liability insurance: slip-and-falls, liquor, assault and battery, and the delivery gap
How restaurant liability insurance responds to slip-and-falls, foodborne illness, and liquor claims — and the exclusions bar and delivery concepts hit.
Read the guide →Other industries we serve
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