For restaurants, bars, breweries and food service

Restaurant insurance, placed in 48 hours.

General liability, liquor liability and workers comp for food service. Aiden Risk compares 100+ carriers, and a licensed specialist reads your lease and your liquor license before the submission goes to market.

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  • 100+ Carriers
  • 140+ Risk Signals
  • 48-Hour Placement

Get your restaurant quote.

Tell us what you serve and what your lease requires. A licensed specialist comes back with real options, not one carrier's price.

Prefer to talk? Call (650) 292-2812

Coverage we place

The lines food service actually gets asked for

Placed as one program across 100+ carriers, so the gaps between policies belong to someone rather than falling between two brokers.

General Liability

Slips, trips and premises claims out front, plus the foodborne illness exposure that follows every plate you send out.

Liquor Liability

Dram shop cover written to what your liquor license and your lease actually require, with the assault and battery sublimit checked rather than assumed.

Workers Compensation

Burns, cuts and slips are the kitchen. Cover for tipped and back-of-house staff, with class codes reviewed before we market it.

Property and Business Income

Your build-out, contents and kitchen equipment, plus the income you lose while the doors are shut after a claim.

Equipment Breakdown and Spoilage

The walk-in fails on a Friday. Cover for the unit and for the product inside it.

Employment Practices Liability

Wage and hour, harassment and discrimination claims. Food service sees more of these than almost any industry and carries it least often.

Hired and Non-Owned Auto

Delivery exposure when staff use their own vehicles, which your personal auto policy will not answer for.

Built for food service

Wherever you serve it

How it works

From first call to bound in three steps

  1. Tell us about the operation

    Your concept, your sales split between food and alcohol, your payroll, and what your lease and liquor license require.

  2. We take it to market

    A licensed specialist builds the submission and places it across the carriers that actually write food service, from 100+ markets.

  3. You bind and get certificates

    Coverage goes in place and your specialist issues certificates naming your landlord, your lender and your venues as required.

FAQ

Restaurant insurance questions, answered

What insurance does a restaurant need?

Most restaurants carry general liability, workers compensation, and property with business income as the base, then add liquor liability if they serve alcohol, equipment breakdown and spoilage for the kitchen, and employment practices liability for the staff. Your lease and your liquor license usually set the floor on limits, and those requirements vary by state, by landlord and by venue.

Do I need liquor liability if I only serve beer and wine?

Usually yes. Dram shop liability attaches to serving alcohol rather than to how strong it is, and many states apply it to beer and wine service exactly as they do to spirits. Your lease and your liquor license often require the coverage in writing regardless of what you pour.

Why does my landlord keep rejecting my certificate?

Usually one of three things: the landlord, property manager or lender is not named as additional insured with the wording the lease specifies, the liquor liability limit sits below what the lease requires, or an assault and battery sublimit has quietly capped the cover at a token amount. All three are visible on the certificate before anyone rejects it.

How is Aiden Risk different from my current broker?

Most brokers place a policy and come back at renewal. Aiden Risk monitors 140+ risk signals year-round, so when you add a patio, extend your hours or start delivering, the gap surfaces then rather than twelve months later. Every account still has a licensed specialist on it.

Free toolWill your COI get rejected?Answer a few questions and see the Additional Insured, waiver, limit and liquor liability gaps that get certificates bounced by GCs, landlords and venues.Free toolIs your business income limit enough?Size the business income limit your restaurant needs if a fire or burst pipe closes the kitchen for months, and see how your current limit compares.

Get covered without making insurance your second job.

Aiden Risk places restaurant coverage across 100+ carriers and keeps watching it after the policy is bound.

Prefer to talk? Call (650) 292-2812