Bar & Restaurant Insurance
Restaurant and bar insurance bundles property, liability, liquor, and equipment coverage for food and beverage businesses.
Bar & Restaurant Insurance for Growing Businesses
Restaurants and bars face unique risks: busy kitchens, guest slip-and-falls, alcohol service, and expensive equipment that cannot afford long downtime. Tailored insurance keeps your doors open after a covered loss.
Remco Insurance Services works with food and beverage businesses nationwide to assemble property, liability, liquor, and business income coverages from multiple carriers.
What Is Bar & Restaurant Insurance?
There is no single policy titled bar insurance. Instead, operators typically need a package combining general liability, commercial property, business income, workers compensation, and often liquor liability.
Programs can be customized for fine dining, fast casual, bars, breweries, caterers, and food trucks with endorsements for spoilage, equipment breakdown, and assault and battery where allowed.
Coverage Built for Food & Beverage
Address the risks guests, staff, and equipment create every shift.
General Liability
Covers guest injuries, property damage, and some advertising injury claims on your premises.
Property & Contents
Protects the building, kitchen equipment, furniture, and inventory you rely on.
Liquor Liability
Responds when alcohol service contributes to injury or property damage claims.
Business Income
Helps replace lost revenue when a covered event forces a temporary closure.
Equipment Breakdown
Covers repair or replacement of refrigeration, ovens, and other critical systems.
Food Spoilage
Reimburses inventory lost due to power loss or mechanical failure when endorsed.
Why Restaurants and Bars Need Specialized Coverage
Generic business policies may exclude liquor-related claims or undervalue kitchen equipment. Landlords, lenders, and liquor authorities often require specific limits and additional insured status before you open.
We align coverages with your seating capacity, delivery sales, entertainment, and percentage of alcohol receipts so you are not paying for gaps or unnecessary overlap.
Frequently Asked Questions
Most need general liability, property, workers compensation, and business income at minimum. If you serve alcohol, liquor liability is essential. We build a checklist for your concept and state.
Not always. It may be a separate policy or endorsement depending on carrier and state. We structure it correctly for your license type.
General liability may respond to certain illness allegations, subject to policy terms. Proper limits and risk controls matter for food service businesses.
Yes. Mobile operations need auto, liability, and equipment coverage tuned to where you park and serve. We place programs for on-the-go concepts.
Carriers review sales, payroll, square footage, cooking methods, alcohol percentage, prior claims, and location. We market your account to competitive markets.
Yes. We issue certificates of insurance and handle additional insured requests as part of ongoing service.
Insure Your Restaurant or Bar
Get specialized food and beverage coverage with an agency that understands your operations and compliance needs.
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