Get a Quote

Insurance for Restaurants and Bars

Get competitive insurance quotes for your restaurant or bar

I want a quote!
Restaurant and bar insurance coverage

Protect Your Restaurant or Bar With Customized Insurance

Winooski Insurance knows it takes a lot of hard work to keep your kitchen running, taps flowing, and guests satisfied. That's why hundreds of clients have relied on us to handle their commercial insurance needs since 1983. We help businesses like yours focus on the work at hand while our knowledgeable agents assist you with your insurance requirements.

Get a Quote

Insurance Quotes For Restaurants and Bars
From Many Reputable Carriers

What Types Of Insurance Should A Restaurant or Bar Consider?

Business Owner's

Create a small business insurance bundle that could help you save money (Commercial Property and General Liability).
Learn More

General Liability Insurance

Protect your business against claims of third-party injuries and damages that you may be legally liable for.
Learn More

Commercial Property Insurance

Protect your company's property and inventory from damage or destruction.
Learn More

Workers' Compensation Insurance

If you have employees your business needs coverage of on-the-job injuries.
Learn More

Cyber Liability Insurance

Don't get caught off-guard when important data is lost to hackers or malware attacks.
Learn More

Liquor Liability Insurance

Liability coverage for businesses that sell, serve, brew, distill, or distribute alcohol.

Frequently Asked Restaurant & Bar Insurance Questions

How much does insurance for a restaurant or bar cost?

Restaurants and bars can have a wide range of offerings, services, and setups. This means they are exposed to different types of risk which affect the amount and types of insurance coverage they need.

Ultimately, the cost of coverage is influenced by a number of important variables, like:

  • Revenue
  • Whether liquor is served
  • Whether meals are delivered
  • Whether the business includes a traveling food truck
  • Whether large events are hosted
  • Hours of operation
  • Percentage of liquor sales to total sales
  • Business location
  • Past claim history

Speak with one of our licensed insurance agents to get an accurate restaurant or bar insurance quote >

What type of insurance does a restaurant or bar need?

Every restaurant offers its guests something unique which means no two coverage requirements are the same. For example, a boutique breakfast café with only a handful of tables requires less liability insurance than a popular downtown dinner spot with a large bar.

Many restaurant and bar establishments should consider some of these insurance policies:

  • Business Owner's Policy
  • Workers' Compensation Insurance
  • Commercial Auto Insurance
  • General Liability Insurance
  • Liquor Liability Insurance
  • Commercial Property Insurance
  • Business Interruption Coverage
  • Special Event Liability Insurance
What types of businesses require liquor liability insurance?

Any business that sells, serves, brews, distills, or distributes alcohol should consider purchasing a liquor liability insurance policy.

These companies can include:

  • Restaurants
  • Night clubs
  • Liquor outlets
  • Grocery stores
  • Breweries
  • Distilleries
  • Bars
  • Lounges
  • Convenience stores
  • Wineries
  • Festivals
  • Special events
How can I get insurance coverage for my restaurant or bar?

Since 1983 Winooski Insurance has been helping our clients find commercial insurance that works for them.

Reach out to one of our insurance agents through our request a quote form or visit our contact page for additional ways of getting in contact with us.

What Our Customers Are Saying

The level of service and professionalism I’ve received from Jeff and the experienced professionals at Winooski Insurance is unparalleled. I’m grateful to have been referred to Winooski Insurance and truly feel like I have a business partner, not just an insurance company.

Cherian Philip, CFO
Aspenti Health

Cherian Philip, CFO

The entire team at Winooski Insurance have done an outstanding job of providing insurance coverage for my company. This is not always easy, as each project has to be reviewed by Winooski Insurance to verify that we have the required coverages.

David Bogue, President
Professional Construction Inc.

David Bogue, President

I have personally and professionally used Winooski Insurance for over 15 years. The staff is efficient, the service is excellent, and they work hard to keep the premiums low. I highly recommend Winooski Insurance!

Mark Chaffee, Senior Loan Officer
Draper and Kramer Mortgage Corp.

Mark Chaffee, Senior Loan Officer