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Best business insurance for a restaurant (2026)

Ranked for a new restaurant: our score plus what matters in your trade.

What matters for a restaurant

  • Your landlord will ask for your insurance certificate before you open. Get covered before you sign or renew a lease.
  1. 1NEXT Insurance 8.4 New owners wanting fast online coverage from one insurerSpanish help · phone support · 4.6/5 user rating ReviewVisit
  2. 2Insureon 7.4 Owners comparing carriers who want a licensed agent's helpSpanish help · phone support · 4.6/5 user rating ReviewVisit
  3. 3Thimble 7.3 Gig and project workers needing coverage per jobphone support · 4.5/5 user rating ReviewVisit
  4. 4Simply Business 6.7 Solo owners comparing basic liability quotes onlinephone support ReviewVisit
  5. 5Hiscox 5.8 Consultants and professionals needing professional liability coverageSpanish help · phone support ReviewVisit

What insurance costs a restaurant

CoverageMedian per month
General liability$47
Business owner's policy (BOP)$190
Workers' compensation$100
Liquor liability$64
Commercial auto$222

Source: Insureon, Sep 2026. Your price depends on your work, location and history.

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Your state's rules

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Ranked by our score (same formula for every tool), with a bonus for tools built for your trade. How we rate