Insurance for Restaurants 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. 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 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
Food Spoilage
General Liability
Workers’ Compensation
Loss of Business Income
Liquor Liability
Commercial Auto
Food Contamination
Anderson Insurance Group offers Restaurant Insurance Coverage through: Acuity Insurance, Auto-Owners, Cincinnati Insurance, and United Insurance Group.
Core Coverages for Restaurants
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 often appear safe, their fast-paced and high-pressure environment raises the chances of burns, cuts, and slip-related injuries among staff. 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.
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
When a vehicle struck the power supply of one of our client’s Thai restaurants, the outage spoiled thousands of dollars worth of fresh and frozen food. Thanks to their coverage, the insurance company reimbursed $12,000 in spoiled inventory, preventing a serious financial setback. 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? Since you can’t fully control every ingredient or supplier, food contamination coverage helps pay for customer medical claims, legal defense, and reputation management.
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. Many restaurant owners choose to outsource deliveries to third-party services like DoorDash or Grubhub, using their own vehicles exclusively for essential business operations.
Why Restaurant Insurance Matters
Licensing & Compliance: Some Utah municipalities and food service regulations may require proof of liability coverage and workers’ compensation to maintain a valid business license.
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: Restaurant kitchens are high-risk environments with open flames, sharp equipment, wet floors, and perishable goods—any of which can cause an accident or lead to expensive claims.. 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.