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Coverage That Keeps You Cooking

Restaurant Insurance

Running a restaurant comes with unique risks, from kitchen fires to liability for customers and staff. Johannes Agency provides restaurant insurance tailored to cafés, diners, bars, and fine dining establishments. With more than 33 years of experience, we’ll help you protect your property, people, and reputation.

What’s Included in Restaurant Insurance Coverage

Restaurant policies combine several types of protection into one comprehensive plan. Coverage often includes:

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General Liability

Covers claims of injury or property damage from customers.

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Commercial Property

Protects your building, furniture, equipment, and inventory.

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Liquor Liability

Required for restaurants that serve alcohol, covering claims related to alcohol service.

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Commercial Auto

Available for restaurants offering delivery services.

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Business Interruption Insurance

Helps cover lost income if your restaurant has to close temporarily due to a covered claim.

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Food Spoilage & Contamination Coverage

Protects against losses from equipment breakdowns or contamination incidents.

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Workers’ Compensation

Provides coverage for employee injuries and lost wages.

Businesses We Insure in the Food Industry

Whether you’re a small-town café or a high-volume restaurant, Johannes Agency offers insurance solutions for:

  • Family Restaurants & Diners

    Local staples serving daily meals.

  • Fine Dining & Specialty Eateries

    Higher-end operations with unique risks.

  • Bars & Taverns

    Including liquor liability coverage.

  • Cafés & Coffee Shops

    Coverage for small, community-focused spots.

  • Takeout & Delivery Restaurants

    Including policies that address delivery drivers and vehicles.

Restaurant Insurance FAQs

Here are some of the most common questions Minnesota restaurant owners ask about insurance:

  • Do I need liquor liability if I already have general liability?

    Yes. General liability does not cover alcohol-related claims. If you serve beer, wine, or spirits, liquor liability insurance is essential to protect your business.

  • Does property insurance cover kitchen equipment?

    Yes. Commercial property coverage helps repair or replace equipment like ovens, refrigerators, and dishwashers if damaged by a covered event. Additional equipment breakdown coverage can also be added.

  • What happens if my restaurant has to close temporarily?

    Business interruption insurance can help cover lost revenue and operating expenses if your restaurant must close due to fire, storm damage, or other covered events.

  • Do I need special coverage for food spoilage?

    Yes. Standard property policies often don’t cover spoilage caused by power outages or equipment breakdowns. Adding food spoilage coverage ensures your inventory is protected.

  • Can delivery drivers be covered under my policy?

    Yes. Restaurants that offer delivery may need commercial auto insurance to cover vehicles used for business purposes.