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Restaurant Insurance — Quotes from Top Carriers

Restaurant insurance protects your business from slip-and-fall lawsuits, food contamination claims, equipment breakdown, liquor liability, and loss of income when forced to close.

Most restaurants need general liability, commercial property, workers compensation, and liquor liability at minimum. If your liquor sales are below 45% of total revenue, you may qualify for significantly better rates through our specialty markets.

Free quote — within 1 to 2 business days

Most clients save their first year

Compare rates from 20+ carriers in 1 to 2 business days, many times within 24 hours.

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Quick answer — what does restaurant insurance cost?

Most Illinois restaurants pay $3,000–$8,000 per year

Your cost depends on square footage, annual revenue, number of employees, and your liquor-to-food sales ratio. If your bar sales are below 45% of total revenue, you may qualify for preferred pricing through our specialty markets. Pro Insurance Group compares rates from 20+ carriers to find your lowest available price.

  • Square footage and location
  • Annual revenue and employee count
  • Liquor-to-food sales ratio
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Essential coverages for restaurants and bars

Protect your business with comprehensive insurance designed for food service operations.
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General Liability
Foundation coverage required by landlords

Covers slip-and-fall accidents, food poisoning claims, advertising injury, and property damage caused by your business. Required by most landlords and lenders. The foundation of any restaurant insurance policy.
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Liquor Liability
Essential for alcohol service

Also called dram shop insurance. Covers legal fees, medical costs, and settlements when alcohol is served to someone who then causes injury or property damage. Essential for any establishment serving alcohol.

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Commercial Property
Protects equipment and inventory

Covers your building, kitchen equipment, dining room furniture, signage, and inventory against fire, theft, vandalism, and weather damage. Often bundled into a Business Owner Policy at a lower combined premium.

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Workers Compensation
Required in Illinois for employees

Required in Illinois for businesses with employees. Covers medical expenses and lost wages when an employee is injured on the job — kitchen burns, slip-and-falls, and repetitive stress injuries.
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Business Interruption
Replaces lost income during closure

Replaces lost income when your restaurant is forced to close due to a covered event such as fire, flood, or equipment failure. Covers ongoing expenses including payroll and rent while you are unable to operate.

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Equipment Breakdown
Covers mechanical and electrical failure

Covers mechanical and electrical failure of your commercial kitchen equipment — walk-in coolers, fryers, ovens, and refrigerators. Pays for repair or replacement and lost income during downtime.

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Food Contamination 
Covers spoilage and contamination losses 

Covers costs when food spoilage or contamination forces you to close — product replacement, cleaning, and customer medical claims. Important for restaurants serving seafood, raw ingredients, or buffet-style food. 

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Assault & Battery 
Critical coverage for late-night operations 

Covers legal fees and settlements when a physical altercation occurs on your premises. Standard general liability often excludes assault and battery — this is a critical separate endorsement for bars and late-night restaurants. 

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Cyber Liability 
Protects your customer data and systems

Covers data breaches involving customer payment card information, POS system hacks, and ransomware attacks. Increasingly important as restaurants rely on online ordering, reservation systems, and digital payments. 

Why business owners choose Pro Insurance Group

We compare rates from 20+ carriers to deliver competitive quotes, expert guidance, and coverage you can count on.
I kept putting off reviewing our insurance — it felt like a hassle and I assumed we were getting a decent rate. Neal came back with savings of $2,650 a year for better coverage with a name-brand carrier. I was genuinely shocked. He made the whole process easy and I wish I had done it years earlier.
Google Review
★★★★★
I called Pro Insurance expecting the usual runaround. Instead, my agent actually took the time to understand our operation, pointed out coverage gaps our previous broker had missed, and had quotes in front of me within 24 hours. Lower premium, better coverage. It was that straightforward.
Google Review
★★★★★
We had been with the same carrier for years and assumed switching would be complicated. Pro Insurance handled everything — compared multiple carriers, walked us through the differences, and even helped us cancel with our previous provider. We are paying less and have more coverage. I recommend them to every business owner I know.
Google Review
★★★★★

Common questions

Frequently asked questions about restaurant insurance

Everything restaurant and bar owners ask before getting a quote. Don’t see your question? Call us at 833-776-4671.

Is liquor liability insurance required for Illinois restaurants? +

Illinois does not mandate liquor liability insurance by state law, but most commercial landlords and lenders require it as a condition of your lease or loan agreement. Any restaurant that serves alcohol should carry it regardless — one dram shop claim without coverage can exceed $1 million in damages. Pro Insurance Group can add liquor liability to your policy or write it as a standalone endorsement.

How much does restaurant insurance cost in Illinois? +

Most Illinois restaurants pay $3,000–$8,000 per year for a complete insurance package including general liability, commercial property, and workers’ compensation. Bars with liquor service typically pay more. Your exact cost depends on square footage, annual revenue, number of employees, and your liquor-to-food sales ratio. If your bar sales are below 45% of total revenue, you may qualify for preferred pricing through our specialty markets.

What is the difference between a BOP and standalone restaurant insurance? +

A Business Owner’s Policy (BOP) bundles general liability, commercial property, and business interruption insurance into one policy at a lower combined premium than buying each separately. Most restaurants with under $5 million in annual revenue qualify for a BOP. Pro Insurance Group will compare BOP pricing against standalone policies from our 20+ carriers and recommend whichever saves you more.

How fast can I get a restaurant insurance quote? +

Most restaurant insurance quotes from Pro Insurance Group are typically ready within 1 to 2 business days, but many times within 24 hours. To get started we need your business address, annual revenue, approximate square footage, number of employees, and whether you serve alcohol. Fill out the form at the top of this page and an agent will contact you the same business day.

Does restaurant insurance cover food trucks? +

Food trucks need similar coverages — general liability, commercial auto, workers’ compensation, and spoilage insurance — but the policy structure differs because the vehicle itself is the business location. Pro Insurance Group writes food truck policies as well as brick-and-mortar restaurant insurance.

What is not covered by standard restaurant insurance? +

Standard restaurant insurance policies typically do not cover: flood damage (requires a separate flood policy), earthquake damage, employee theft without a crime endorsement, assault and battery without a specific endorsement, cyber liability without a separate policy, or gradual wear and tear on equipment. Pro Insurance Group reviews your coverage gaps during the quoting process.

Still have questions? Our restaurant insurance specialists are ready to help.

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