OG
8735 Dunwoody Place STE R Atlanta, GA 30350

Contact OG Insurance HQ

Restaurant Insurance

Restaurant Insurance

Describe your restaurant, food truck or hospitality operation, including cooking, delivery and alcohol service, for a coverage review.

Request a Restaurant Review

Describe how the business operates

Locations, food preparation, delivery, events and alcohol service affect the questions to review. Explain any mobile or off-site operations.

Review the coverage mix

Discuss general liability, property, workers’ compensation, equipment breakdown, spoilage, business income, commercial auto and liquor liability as relevant. Availability and exclusions vary by policy.

Prepare for the discussion

Bring general sales, staffing, equipment and lease requirements. The form starts an inquiry; it does not bind coverage, approve eligibility or confirm compliance with a lease or permit.

Frequently Asked Questions

Is restaurant insurance required?

Requirements depend on applicable law, staffing, leases and contracts. Confirm the exact obligations for your business.

Spoilage protection must be included and the cause must meet policy terms. Check deductibles, limits and exclusions.

Mobile operations can involve vehicle, equipment and food-service exposures. Disclose how and where the truck operates.

Do not assume liquor liability is included. Discuss alcohol sales, service and the required policy or endorsement.

Business income coverage depends on a covered cause of loss and its waiting periods, limits and other terms.

Start with a review of your operations, existing policies and requirements. Coverage is subject to insurer acceptance and policy terms.

Request a restaurant coverage review

Tell us how your restaurant operates. A licensed agent will review the coverage it needs.