Coverage for restaurants and bars that's actuallyclearlicense-readyyoursfairclear
Dine-in, fast-casual, food trucks, and bars each carry their own risks, and liquor liability is the one a standard policy carves out. We read your lease and license and place the program that fits.
What food and beverage operations carry.
The lines restaurants and bars need, and the two that matter most.
| Coverage | What it covers | Good to know |
|---|---|---|
| Liquor liability | Claims tied to serving alcohol | Standard GL usually excludes it |
| Commercial property | Build-out, kitchen equipment, and inventory | Equipment breakdown is worth adding |
| General liability | Slips, falls, and customer injury | The base your lease will require |
| Business income | Lost revenue if you have to close | Spoilage coverage matters for kitchens |
| Workers' compensation | Injury to kitchen and floor staff | Burns and slips are frequent claims |
| Hired and non-owned auto | Delivery and errands in personal cars | An overlooked exposure for delivery |
Liquor liability and property are the big two. We confirm what your lease and license require and place it.
Opening or renewing? Send us your lease and license and we will build the program, free.
Neighbors we’ve actually helped.
“Can't recommend these guys enough. Needed insurance fast for the DMV and my old insurance company was closed and wasn't answering my calls. Called these guys and over a 30min lunch break they hooked me up with renter's insurance and insurance for my cars and bike. They got me a better deal, too. Highly recommend because they DO NOT WASTE YOUR TIME like other companies.”
“I recently switched insurance carriers to PolicyNest KC and I couldn't be happier with the experience so far. I worked with Nick Rhodes, who was extremely friendly, helpful, and quick to respond. He explained everything in a way that was easy to understand, which was greatly appreciated since I'm definitely not an insurance expert. He made me feel like a person, not just a number. On top of that, PolicyNest KC saved me over $100 each month on my car and renters insurance, which is huge. Their mobile app is also super easy to use and makes managing my policies and making payments a breeze. I highly recommend PolicyNest KC and especially Nick for anyone looking to make a switch!”
“Amazing coverage at a great rate, they did not lie! Nick was absolutely great to work with, and he cut my bill in half! He did a great job explaining coverages in a way I could better understand, as well as the importance of the coverage to me so that I could better understand how to best protect my property. Nick was super knowledgeable, personable and made me feel like I was putting my protecting in caring hands. Thank you PNKC!!”
“PolicyNest KC is great. Nick Rhodes helped me every step of the way took my information, and found the right coverage to make it all happen. Showed me several options and found the best rates for me. If you need insurance, this place will make it quick and easy and will find you the best price for your circumstance. Highly recommend.”
“As a business owner, these guys were a lifesaver helping me scour through options to combine the different kinds of insurance my business needs in order for me to have peace of mind. I was helped by Hunter, a class act (and quite funny at that). Would highly recommend!”
“They saved me a ton of money on my new policy! They helped me understand my policy as well! Easy to work with and saving me money!”
“Nick is the man, helped me lower my car insurance $100/month for triple the coverage!”
“Nick was fantastic to work with. He offered great rates made everything nice and simple. Very pleased with my experience”
“Happy with the service and savings”
Carriers shopped
Avg. quote turnaround
Licensed in both states
Policy reviews, always
Restaurant and bar coverage, answered.
The questions operators ask first.
If you serve or sell alcohol, almost certainly. General liability usually excludes liquor-related claims, and your lease, license, or landlord likely requires the separate coverage. We confirm your specific requirement.
Only with the right property and equipment-breakdown terms. A standard policy may not pay for spoilage from a mechanical failure. We add it so a dead compressor is not your loss.
That is hired and non-owned auto, an exposure that exists the moment a worker drives for you. It is inexpensive and commonly missed. We make sure it is on.
Most quotes are back within 48 business hours once we have your details. We reply to any question within 2 business hours.
Ready when you are