Restaurant & Food Service Insurance
You're focused on feeding people. We're focused on protecting your business.
Restaurants face more risks than most businesses—fire, food safety, customer injuries, employee injuries, and liquor liability if you serve alcohol. The right insurance package protects your investment. Many food service businesses can get instant quotes below.
Get an Instant Restaurant Insurance Quote
Many food service businesses can get quoted and covered in minutes
Before You Get a Quote
By using this business insurance quoting tool, you understand and agree that:
- Business Information: You will be providing information about your business including your business name, type of work, number of employees, annual revenue, and contact information. If you proceed with a policy purchase, you may be asked to provide additional details such as your EIN, payroll information, and other business data.
- Quote Provider: This instant quote tool is powered by one of our partner insurance carriers. Your quote and any resulting policy will be directly with that carrier.
- Information Sharing: The information you provide will be shared with our partner carrier and Parrack Insurance Agency for the purpose of providing you with accurate business insurance quotes.
- Contact: After completing your quote, you may be contacted regarding your quote results and coverage options. Parrack Insurance Agency may also follow up to ensure you found the coverage you need.
- Not All Businesses Qualify: Our partner carrier has specific eligibility requirements. Some business types, high-risk operations, or businesses outside their appetite may not qualify for instant coverage.
Your information is used solely for insurance quoting purposes and is handled in accordance with our partner's and our privacy policies.
Food Businesses We Cover
Full-Service Restaurants
Sit-down dining with table service
Fast Food & Quick Service
Counter service and drive-through operations
Food Trucks
Mobile food vending operations
Caterers
On-site and off-site catering services
Bakeries
Retail bakeries and wholesale baked goods
Coffee Shops & Cafes
Coffee, tea, and light food service
Bars & Taverns
Establishments primarily serving alcohol
Pizza Shops
Pizza delivery and dine-in operations
Coverage Options for Food Service
General Liability
EssentialEssential protection for restaurants. Covers slip-and-fall injuries, customer injuries from hot food or broken glass, and property damage. Also covers food-related illness claims.
Learn more about general liabilityProperty Insurance
EssentialProtects your building (if owned), kitchen equipment, furniture, inventory, and supplies from fire, theft, vandalism, and covered disasters.
Learn more about property insuranceBusiness Income/Interruption
EssentialIf a fire or other covered event forces you to close temporarily, this pays for lost income and ongoing expenses like rent and payroll while you rebuild.
Learn more about business income/interruptionLiquor Liability
EssentialRequired if you serve alcohol. Covers claims arising from serving intoxicated patrons who then cause injuries or property damage.
Learn more about liquor liabilityWorkers Compensation
EssentialRequired in West Virginia and Ohio if you have employees. Kitchens have high injury rates—burns, cuts, slips, and lifting injuries are common.
Learn more about workers compensationReady to Protect Your Food Business?
Try the instant quote tool above for fast coverage, or call us to discuss your restaurant's specific needs. We help food service businesses throughout West Virginia and Ohio.
Looking for a different location?
We also serve other areas in West Virginia
Ryan Parrack Insurance
Serving Elkins, Buckhannon & Northern/Central WV
Elkins, WV