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WHY Business Insurance Now?

Learn why thousands of small businesses trust Business Insurance Now as their insurance agency.

Take 15 minutes to see how we can help you protect your business.

  • FREE, no-obligation quotes.
  • Complete one online application to compare multiple quotes.
  • Fast response—typically less than 24 hours on week days.
  • We are a nationwide insurance agency covering all 48 contiguous states.
  • We work directly with you to evaluate your insurance options.
  • We only work with the top business insurance carriers in the country.
  • Expert, licensed insurance agents to guide you through the process.

Comprehensive Protection for Your Restaurant or Catering Business

Restaurants and catering businesses work with the public every day, welcoming guests to enjoy their hospitality – but also inviting a unique set of risks. This is a business that relies on the perfect synchronization of people, equipment, facilities, products and many other factors to create and present meals and experiences for patrons to enjoy. If anything goes wrong at any step, the results can be disastrous.

The preparation and serving of food creates an environment in which either employees or patrons could be injured, for example, by a sharp knife, hot coffee or a slippery floor. A power failure, fire, broken refrigerator or backed-up drain could easily shut your business down. A supplier could have a fire at their facility and fail to deliver the key ingredients in your signature dish. A drunk patron could cause a wreck on the way home, resulting in you being sued. Thankfully, insurance is available to mitigate every one of these risks – and many others.

Business Insurance Now specializes in easy, affordable insurance for restaurants and catering businesses. We know the restaurant business and the risks that come along with food service, and because policies and coverage do vary by carrier, we can help you select the best option for your specific type of restaurant business. Because we're business insurance experts who work only with top-rated carriers, you can get all your coverage from a single source and be confident that you have all the coverage you need at a competitive rate.

Independent and family-owned restaurants and catering businesses come to us for quality insurance at an affordable price and stay with us for our friendly service and outstanding customer support. Trust the food service insurance experts at Business Insurance Now to get your business covered, fast—at a great rate.

Get insured now.

Covered Specialties

Business Insurance Now provides customized insurance coverage for all types of food service businesses, including:

  • Bakeries
  • Banquet Halls
  • Bars and Taverns
  • Cafes
  • Caterers
  • Coffee Shops
  • Delicatessens
  • Delis
  • Food Vendors
  • Ice cream shops
  • Mobile Food Trucks
  • Nightclubs
  • Restaurants

Whether you are the only employee or have a staff, we make it easy to secure specialized coverage to protect your eating establishment from the risks you encounter every day, providing immediate coverage from top-rated business insurance carriers with expertise in serving restaurants and caterers.

Available Coverage

We make buying business insurance easy, with fast, one-stop shopping for all your food service business insurance needs:

General Liability/Property/Business Owner's Policy (BOP)

Liquor Liability

Off-Premise Coverage for Catering and Delivery Businesses

Workers' Compensation

Hired and Non-Owned Auto for Catering Businesses

Umbrella (Excess Coverage) Policy

Because policies and coverage vary by carrier, it's helpful to get expert advice on the best insurance options for your specific type of food service business. Our licensed agents are happy to assist you in selecting coverage that fits your business.

Request a quote now. We'll typically get back to you in 24 hours on weekdays, and we can start your coverage immediately.

If you're not sure what kind of insurance your food service business needs, the licensed insurance experts at Business Insurance Now can help. We are available from 8:30 a.m. to 6 p.m. Central Time, Monday through Friday. Call us toll-free at (800) 655-1714, or e-mail a Business Insurance Now agent.

Not a Food Services Professional?

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Tips to Reduce Liability for Restaurants

  • Insist on written contracts of understanding for each catered or group event.
  • Ensure you have adequate fire protection and keep kitchens grease-free to prevent fires.
  • Conduct training sessions on proper carrying techniques for heavy platters or equipment.
  • Regularly review rules for serving (or not serving) alcohol with bartenders and servers.