Coverage for the kitchen, the dining room and the people who work there

A restaurant faces risks most businesses don't: open flames and grease, a customer slipping on a wet floor, a cooler that fails overnight, and employees working with knives and hot equipment. We put together the coverages a restaurant needs, explain them in English or Spanish, and compare several companies.

Coverages restaurants usually need

• General liability — a customer slips, gets sick or has their property damaged
• Property — your building or improvements, kitchen equipment, furniture and inventory
• Spoilage — food lost when a cooler or freezer breaks down or the power goes out
• Business income — what you stop earning while closed after a covered loss
• Workers' comp — generally required in NC with three or more employees
• Liquor liability — if you sell beer, wine or mixed drinks

Business owner with an ITIN or a matrícula consular?

• We insure business owners who have an ITIN or a matrícula consular
• Tell us how your business is set up when you ask for a quote, and a licensed agent will explain your options
• Everything explained in Spanish or English

Many landlords require proof of insurance before you open. If your employees deliver in their own cars, ask about hired and non-owned auto coverage — your general liability doesn't cover those accidents.