Restaurant & Bar Insurance Designed for Local Operations
Insurance Solutions for Food, Beverage & Hospitality
Restaurants and bars face a wide range of risks, from kitchen fires and food contamination to liquor liability and employee injury. Our restaurant & bar insurance policies are built for small, local businesses across Colorado and Wyoming that serve food, drinks, or both. Whether you're a neighborhood pub in Casper or a downtown bistro in Boulder, we help protect your physical space, staff, guests, and income. We also help ensure your coverage aligns with health codes, lease requirements, and seasonal shifts in business.
Why Restaurants & Bars Need Specialized Coverage
Restaurants, bars, and food service businesses face unique risks every day, from kitchen fires to food-related illness to legal claims.
Covers Kitchen, Staff & Customer Liability
From food spills to hot surfaces and more, restaurant insurance helps cover customer and staff-related claims.
Protects Against Fire, Theft & Property Damage
Covers fire damage, equipment loss, theft, and other threats specific to food service operations.
Adapts to Your Hours, Menu & Service Model
We help match your policy to your business hours, menu risks, alcohol service, and property layout.
How Restaurant Insurance Protects What You’ve Built
Restaurants and bars face unique risks—and our insurance solutions help manage them without the hassle.
Our restaurant and bar coverage is built around your service model, hours of operation, and staff needs.
How We Build Restaurant & Bar Insurance That Works
We Ask About Your Hours, Staff & Risk Factors
We ask about your hours, seating, staff size, and what types of services you offer to better understand risk.
We Compare Coverage Options for Food & Beverage Risks
We explain coverages like food spoilage, liquor liability, and employee injuries in plain language.
We Issue Policies & Help You Stay Compliant
We’ll review your final policy, explain how to maintain compliance, and help with claims if needed.
Restaurant & Bar Insurance FAQs for Owners
What does restaurant insurance typically include?
It usually includes general liability, property coverage, equipment breakdown, and loss of income.
Does this insurance cover food spoilage or equipment?
Yes, you can include food spoilage, business interruption, and equipment failure in your policy.
Can I add liquor liability to my restaurant policy?
Yes, liquor liability can be added as an endorsement or stand-alone policy based on your risk.
Do I need separate coverage for delivery services?
Yes, you may need additional protection for food delivery services, third-party drivers, or mobile food trucks.