Koosh Insurance · Specialized Risk Solutions / Industries
Restaurants & Food Service
The slip on the wet floor. The food poisoning claim that lands six weeks after a busy weekend. The dram-shop case from the patron who shouldn't have had the last round. Restaurants are one of the highest-frequency claim environments in commercial insurance, and the policies that work for an office or a retail store don't fit a kitchen, a bar, and 60 covers a night.
Coverage
What this coverage includes
- General liability with restaurant-specific endorsements for slip-and-fall, food contamination, and assault and battery exposure
- Liquor liability for establishments serving alcohol — separate from GL, with its own limits and triggers
- Commercial property for the building (if owned), tenant improvements, kitchen equipment, and inventory
- Business interruption sized to actual revenue and a realistic restoration timeline
- Equipment breakdown for refrigeration, walk-ins, ovens, and HVAC
- Spoilage coverage for inventory loss from refrigeration failure or power outage
- Workers' compensation for kitchen, front-of-house, and management staff
- Employment practices liability for the high-turnover, high-claim-frequency workforce
Who Buys This
Who typically buys this coverage
- Full-service restaurants — independent and small chains
- Quick-service restaurants and fast-casual operations
- Bars, lounges, and taverns with significant alcohol revenue
- Catering operations — on-site, off-premises, and event-based
- Food trucks and mobile food operations with their own policy structure
- Hotel restaurants and country club food service as part of larger hospitality operations
- Ghost kitchens and delivery-only operations
Why Koosh
Why Koosh Insurance
Restaurants are claim-frequent businesses with margins that don't tolerate insurance surprises. We treat the program as a coordinated set of policies — not five disconnected coverages — because that's how the carriers underwrite it and that's how the claims actually happen. You're running food cost, labor cost, and rent on a 6% margin. The line item that should never be the surprise is insurance.
Liquor liability sized to actual exposure — beer-and-wine vs. full bar vs. nightlife venue all need different placement.
Property and equipment valued correctly — kitchen buildouts and equipment depreciate fast on paper but cost full replacement in reality.
Business interruption built on actual revenue patterns — including seasonality and event-driven peaks.
Workers' comp class management — kitchen vs. server vs. management codes drive premium, and misclassification is common.
EPL for high-turnover environments — restaurants face EPL claims at rates above most industries; coverage and limits should reflect that.
Renewal market discipline — restaurant insurance markets shift quickly; we shop when the incumbent gets uncompetitive.
FAQ
Frequently asked questions
This page provides general information about Restaurants & Food Service insurance and is not a substitute for tailored advice from a licensed insurance broker. Coverage availability, terms, exclusions, and pricing depend on your specific business operations, location, claims history, and carrier underwriting. Contact a Koosh Insurance broker for a personalized consultation. Koosh Insurance — License #L135215.
Get a quote for Restaurants & Food Service
Talk to a licensed Koosh broker. We'll review your specific situation, source quotes from appropriate carriers, and walk you through the coverage that actually fits your business.