Get the Best Restaurant Insurance Policy in Utah
At Anderson Insurance Group, we’ve seen it all and know how to protect you. We want to make sure you are protected against these and other types of losses.
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’re responsible not only for your staff and patrons but also for protecting your business from unexpected losses. 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.
Commercial Auto
Restaurant Equipment and Business Personal Property
Workers’ Compensation
Liquor Liability
Loss of Business Income
Food Spoilage
General Liability
Food Contamination
Anderson Insurance Group offers Restaurant Insurance Coverage through: Acuity Insurance, Auto-Owners, Cincinnati Insurance, and United Insurance Group.
Core Coverages for Restaurants
Food Contamination
In one incident, a restaurant owner was contacted by a guest claiming to have become ill after dining in their establishment. 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? Since you can’t fully control every ingredient or supplier, food contamination coverage helps pay for customer medical claims, legal defense, and reputation management.
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 ensures your liquor liability coverage meets Utah DABS requirements and provides the necessary certificates for your licensing process.
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.
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
General Liability
Over the years, we’ve helped countless restaurant owners navigate slip-and-fall claims, an unfortunate but common occurrence in the 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. Work comp will pay for the injury and any lost wages while the employee is getting back to the kitchen or dining room. Workers’ Compensation | Anderson Insurance Group
Loss of Business Income
Your restaurant supports not only your livelihood but also the financial stability of your employees and their families. Business Income and Extra Expense coverage will protect that income. Ask us about coverage options for 12 months versus 18 months—because after a major fire or disaster, recovery often takes longer and costs more than most owners anticipate.
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.