Utah Restaurant Insurance
At Anderson Insurance Group, we’ve seen it all and know how to protect you. Our mission is to ensure your restaurant is protected against these and a wide range of other potential losses that could impact your reputation, finances, or operations.
Coverage Restaurants Need
Running a restaurant in Utah brings daily operational challenges—ranging from sudden kitchen fires and unexpected food spoilage to customer slip-and-fall accidents and liquor liability exposures. 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.
Restaurant Equipment and Business Personal Property
Liquor Liability
Workers’ Compensation
Loss of Business Income
Food Spoilage
Food Contamination
General Liability
Commercial Auto
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. General liability coverage for restaurants shifts these financial risks to your insurance provider, safeguarding your assets and allowing you to operate with peace of mind. General Liability Insurance | Anderson Insurance Group
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
Restaurant Equipment and Business Personal Property
Imagine your fryer, grill, or refrigeration system catches fire or fails, causing extensive damage to your kitchen equipment and sending smoke throughout the dining area. Ensure you maintain sufficient coverage limits for kitchen equipment, stored food, furnishings, and custom build-outs to guarantee a swift recovery after an incident.
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
If your restaurant serves alcohol, Utah law requires you to maintain liquor liability coverage and an appropriate bond to legally operate. 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.
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 your restaurant caters events, leases commercial space, or holds a liquor license, your partners expect documented insurance that protects against a wide range of liabilities.
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.