Affordable Restaurant Liability & Property Insurance in Utah
At Anderson Insurance Group, we’ve worked with hundreds of restaurants across Utah, giving us the expertise to identify risks and create tailored insurance solutions that truly protect you.
Coverage Restaurants Need
Running a restaurant comes with daily challenges—from kitchen fires and food spoilage to slip-and-fall accidents and liquor liability risks. As a restaurant owner, you shoulder responsibility for your employees, your customers, and the long-term health of your business—ensuring it’s safeguarded from sudden accidents, costly lawsuits, and operational interruptions. With restaurant insurance from Anderson Insurance Group, you’ll get comprehensive protection tailored to your unique risks—so you can focus on serving great food while we handle the rest.
Restaurant Equipment and Business Personal Property
Loss of Business Income
Workers’ Compensation
Commercial Auto
Food Spoilage
Liquor Liability
Food Contamination
General Liability
Anderson Insurance Group offers Restaurant Insurance Coverage through: Acuity Insurance, Auto-Owners, Cincinnati Insurance, and United Insurance Group.
Core Coverages for Restaurants
Liquor Liability
In order to serve any type of alcohol, you will need liquor liability insurance and a bond. You will need to submit proof of liquor liability and the bond to the Utah Department of Alcoholic Beverage Services - Utah DABS - DABS for your permit to sell alcohol in your restaurant. Anderson Insurance Group can make sure you have all of the correct coverage and provide the necessary certificate of insurance.
Food Spoilage
A car hit the power box outside of our favorite Thai restaurant, cutting off the power for days. In this case, the insurance coverage paid $12,000 for all of the spoiled food. Does Restaurant Insurance Cover Spoiled Food? | Anderson Insurance Group
Food Contamination
On one occasion, a restaurant owner received an email from a patron who became ill eating at their restaurant. We discussed how to best handle the situation, and fortunately, a claim never was filed, but what if it wasn't just a brief bout of food illness? You don’t have 100% control over all of the food that comes into your restaurant and food contamination coverage will help protect you and pay for any illness or damages a patron may have.
Commercial Auto
A restaurant van is very convenient for your business; there are lots of things to pick up, and a van comes in handy for catering. Make sure you have proper limits for your commercial auto insurance. Smart restaurant owners let Door Dash and Grub Hub do the delivery and only use their restaurant vehicles for picking up supplies and catering.
General Liability
Over the years, we’ve assisted countless restaurant owners in handling slip-and-fall incidents, food-related claims, and accidental property damage—common yet costly risks in the food service industry. This is where you give us a call. Restaurant general liability insurance will transfer this risk to the insurance company, so you don’t have to worry about it. General Liability Insurance | Anderson Insurance Group
Restaurant Equipment and Business Personal Property
What if your fryer or grill catches the kitchen on fire, destroying your equipment and causing smoke damage to everything in the building? You are covered with BPP and restaurant equipment insurance. Make sure you have adequate limits for your kitchen equipment, food, furniture, and buildout so you can rest easy.
Workers’ Compensation
While restaurants are generally safe, the fast-paced environment increases the likelihood of accidents. Ensuring workers’ compensation coverage means you and your employees are protected when incidents occur. Workers’ comp will cover medical treatment, wage replacement, and rehabilitation costs until the injured employee is able to return to the kitchen or dining floor. Workers’ Compensation | Anderson Insurance Group
Loss of Business Income
Not only do you rely on your restaurant for your livelihood, but so do your employees. Business Income and Extra Expense coverage will protect that income. Ask about difference between 12 months and 18 months of coverage; you would be surprised what it costs and how long it takes to get re-established after a fire.
Why Restaurant Insurance Matters
Licensing & Compliance: Several Utah municipalities, along with state-level food service regulations, require proof of general liability and workers’ compensation insurance to maintain licensing compliance.
Client Expectations: Whether you're catering events, leasing commercial space, or serving alcohol, clients and landlords expect your restaurant to carry proper insurance that protects against accidents and liability.
High-Risk Environment: Kitchens are full of potential hazards—fires, burns, slips, or food contamination. One unexpected claim without insurance can lead to major financial losses or even force you to shut down.
Request a quote and protect your Restaurant today!
Trust Anderson Insurance Group
Protect your company, your employees, and your clients with comprehensive restaurant insurance from Anderson Insurance Group. Get in touch with us today to receive a free, no-obligation quote and start building a policy that fits your needs.