Protection for Your Fast-Paced Restaurant, Cafe, Bar or Franchise

Text Nick your restaurant insurance questions now at 386-299-9540. Your questions will be answered as soon as possible. Or, get your free restaurant insurance quote by using our “Request a Quote” form on this page.

Running a popular eatery is the dream of many Florida restaurant owners. The joy in creating delicious food and memorable experiences that last. But let’s face it, life throws curveballs. A power outage, a slip-and-fall accident, or a foodborne illness can put a big dent in your bank account and success. That’s why solid restaurant coverage is so important. It helps to protect against the unforeseen, like natural disasters, accidents and more. So safeguard your culinary haven from the unexpected with the help of a knowledgeable restaurant insurance agent.

Restaurant Insurance Is an Investment

Think of restaurant insurance as an investment in your business’s future. While it is an expense, the financial protection and peace of mind it offers can be invaluable. It’s like adding a secret ingredient to your recipe for success. One that helps your restaurant weather the storms and continue on.

Waitress with tray of money

Below are some of the benefits of restaurant coverage:

  1. Financial protection

    Unexpected events can lead to hefty expenses. Restaurant insurance helps cover costs associated with property damage, liability claims and more.

  2. Compliance

    Many states, including Florida, require certain types of insurance for restaurants. Contact us to learn about what coverage your business should consider.

  3. Competitive edge

    Some insurance companies offer additional benefits specific to your culinary business, like risk management resources, which can give you an edge in a competitive market.

  4. Peace of mind

    Knowing you have customized coverage can help you focus on what you do best – running your restaurant.

Dessert at fine dining restaurant


From casual to fine dining restaurants, we work with customers in fast-casual establishments to fine dining restaurants. The first step is identifying your specific needs to help protect your business.

Bar Owner Serving His Customers

Bars & Nighclubs

If you own or operate a bar or nightclub, you need to be aware of the special risks and coverages designed to help protect you from financial loss.

Cafe owner working the counter


Whether your franchise is small or large, each location is different and has its own set of risks. We have options to help you protect your unique needs.

Understanding the Restaurant Insurance Menu

Navigating the world of insurance can feel like trying to read a foreign menu. But don’t worry. Below, we break down the critical coverage types you should know.

  1. General Liability Insurance

    This is your culinary safety net. It covers various costs associated with:

    • Customer injuries
      Slip and fall or an allergic reaction to an ingredient. Helps cover medical bills and legal expenses.
    • Property damage
      From broken windows to fire damage or failed appliances. Helps protect your physical space and equipment.
    • Product liability
      If a customer gets sick from what you gave them to eat. Helps cover your legal fees and settlements.
  2. Workers’ Compensation

    This is for when an employee gets injured on the job. It provides medical care and lost wage benefits to the injured. It is mandatory in most states and protects both your employees and your business.

  3. Commercial Property Insurance

    This is for your building, equipment and inventory. It covers the cost to repair or replace it if damaged by fire, theft, vandalism or other covered perils.

  4. Business Interruption Insurance

    If your restaurant is forced to close due to a power outage, fire, health code violation, weather and more. This coverage helps with lost income and operating expenses during that period.

  5. Liquor Liability Insurance

    If you serve alcohol, this coverage is crucial. It protects against costs associated with alcohol-related accidents or injuries caused by your establishment.

  6. Bonus Coverages

    Depending on your specific needs, you may also consider:

    • Spoilage insurance
      Covers the cost of spoiled food due to power outages or equipment malfunctions.
    • Employment Practices Liability insurance
      Helps protect against claims of discrimination, wrongful termination or other workplace issues.
    • Cybersecurity insurance
      Provides coverage to help protect your business in the event of cyberattacks and data breaches.

Don’t Let Unexpected Mishaps Spoil Your Success

Choosing restaurant insurance can feel overwhelming, but you don’t have to go it alone. Caton-Hosey Insurance can help you with knowledgeable assistance for your establishment. We specialize in restaurant insurance in Florida and can help tailor a policy that fits you – restaurant coverage that meets your specific culinary needs and budget.

Owner welcoming guests to her restaurant

Discover the difference Caton-Hosey Insurance can make for you. Here’s how we help lots of restaurants just like yours:

Analyze Your Risks

We identify your potential vulnerabilities and provide customized coverage options.

Compare Quotes

We get quotes from multiple insurers to find solutions that meet your specific needs.

Explain the Fine Print

We break down the policy language and answer your questions.

Advocate for You

We are here to help you and will assist you if you ever need to file a claim.

Contact Caton-Hosey today and let’s craft a policy for your culinary business. Remember, protecting your restaurant isn’t just about following regulations. It’s also about safeguarding your passion, livelihood and the experience you create for others. Bon appétit!

Get your free restaurant insurance quote by using our “Request a Quote” form on this page. Or, text Nick your questions now at 386-299-9540. Your questions will be answered as soon as possible.

Email Us
Visit Us

3731 South Nova Road
Port Orange, FL 32129

FAQs on Restaurant Insurance

Got questions? We’ve got answers. Here are some common ones:

Yes, most states require some forms of insurance for restaurants, like workers’ compensation. However, beyond legal requirements, it’s crucial for protecting your business financially. Unexpected events happen and are out of your control. Events like property damage, lawsuits and employee injuries.

The cost varies depending on several important factors. Your location, type of cuisine, size of your restaurant and chosen coverage options. Consult a knowledgeable agent to help you get accurate quotes and the best value for your budget.

Review your policy regularly and update it as your business needs change. Ask your insurance agent questions if you’re unsure about anything.

Nav Bar