- 7761 Ballantyne Commons Pkwy, Charlotte, NC 28277
- info@blubearonline.com
Protect your business from customer injuries, liquor liability claims, and kitchen accidents. Restaurant insurance covers the unique risks of food service, from grease fires to slip-and-fall incidents.
Ready when your client needs it
Meets all state bonding requirements
Agents who know construction
Restaurants face liability daily. One customer slip can trigger a lawsuit. One underage drink can cost you your liquor license. One grease fire can shut you down for months. Without proper coverage, a single incident can close your doors permanently.
A customer slips on a wet bathroom floor and breaks their hip. Restaurant liability insurance covers medical bills and legal defense.
Your bartender serves an intoxicated patron who causes a DUI accident. Bar insurance covers the damages and your legal defense.
A grease fire in the fryer damages your kitchen equipment and forces closure for two weeks. BOP restaurant insurance covers repairs and lost income.
A customer claims your food gave them salmonella and sues for medical costs. Restaurant business insurance covers the settlement and legal fees.
A complete commercial restaurant insurance program typically includes several policies working together. We bundle them to save you money and eliminate dangerous coverage gaps that could leave you exposed during service.
Whether you’re running a fast-casual eatery, a full-service bar, or a catering business, we have a restaurant insurance policy program designed for your specific operation because a food truck and a fine dining steakhouse need completely different coverage.
Table service, bar area, kitchen operations, outdoor seating, takeout and delivery
Counter service, limited seating, drive-thru, online ordering, third-party delivery
Full liquor service, live music, late-night hours, entertainment liability, dance floor
Mobile kitchen, commissary agreement, generator coverage, event liability, spoilage
Off-premise events, buffet setup, transport coverage, equipment breakdown, liquor liability
Pastry display, espresso machine breakdown, customer seating, outdoor tables
Every state has different requirements for restaurant licensing and insurance minimums. We help you stay compliant with state laws and help you win leases that require restaurant insurance quotes proof like certificates of insurance and additional insured endorsements.
Restaurant insurance cost depends on your annual revenue, type of cuisine, alcohol sales, seating capacity, and claims history. Fast casual costs less than full-service with liquor.
Commercial General Liability
$1,200 – $4,000/yr
Workers' Compensation
$2,000 – $10,000+/yr
Builder's Risk (per project)
1%–4% of project value
Tools & Equipment
$400 – $1,200/yr
Commercial Auto (per vehicle)
$1,500 – $3,000/yr
Commercial Umbrella ($1M)
$600 – $1,500/yr
Full Package Estimate
$5,000 – $20,000+/yr
We compare rates across 20+ carriers to get you the best price for your trade.
Commercial General Liability
$1,200 – $4,000/yr
Workers' Compensation
$2,000 – $10,000+/yr
Builder's Risk (per project)
1%–4% of project value
Tools & Equipment
$400 – $1,200/yr
Commercial General Liability
$1,500 – $3,000/yr
Commercial Umbrella ($1M)
$600 – $1,500/yr
Full Package Estimate
$5,000 – $20,000+/yr
Standard liability limit for most restaurant leases
COI issuance —Certificate of Insurance when you need it
Carrier partners — we shop for the best rate for your trade
Restaurants insured across the Southeast region
Our streamlined process gets you covered fast, so you never miss a lease deadline or fail a health department requirement.
Restaurant type, annual revenue, seating capacity, alcohol sales, number of employees, and square footage
We create a custom package across General Liability, Liquor Liability, Property, Business Interruption, and Workers' Comp
Receive clear quotes from multiple A-rated restaurant insurance carriers compare coverage limits, deductibles, and premium side by side
Bind coverage immediately and receive your Certificate of Insurance same day ready for landlords, liquor authorities, and lenders
Most states require liquor liability coverage as a condition of your alcohol license. Bar insurance protects you if a patron causes injury to themselves or others after leaving your establishment. Without it, you could lose your license and face personal liability.
General liability coverage includes bodily injury from foodborne illness. A customer claiming, they got sick from your food is covered under restaurant liability insurance. Legal defense and settlement costs are included up to your policy limits.
A BOP restaurant insurance bundles general liability and property coverage at a discount typically 15–25% less than buying separately. It also adds business interruption automatically. Separate policies allow higher limits but cost more.
We offer restaurant insurance quotes online in under 10 minutes. Just tell us your revenue, seating capacity, alcohol sales, and square footage. Same-day binding and instant COI available. A quick call often saves you money.
We issue same-day Certificates of Insurance often within an hour of binding your policy. Landlords require COIs showing restaurant insurance coverage limits before you sign a lease. We’ll send it directly to their property manager if needed.
Specialized coverage for taverns, nightclubs, and full-service bars including liquor liability and assault protection
Targeted coverage for mobile kitchens, commissary agreements, generator breakdown, and event liability
Coverage for off-premise events, buffet setup, transport, equipment breakdown, and liquor liability
Specialized coverage for ovens, mixers, display cases, spoilage, and customer areas
Coverage for craft breweries including fermenting equipment, taproom liability, and product recall
Targeted coverage for delivery drivers, ovens, carryout and delivery liability
Get a custom insurance package quote in minutes — designed for general contractors in the Southeast.
