Restaurant Insurance

If you’re looking for the best restaurant insurance in the United States at an affordable price, Exceed Insurance is your premier destination. We are the leading insurance agency based in Indianapolis and Sacramento. 

Owning a restaurant comes with many responsibilities, including obtaining a robust restaurant insurance policy. Without proper insurance for restaurant business, you would have to pay for costly incidents out of pocket.

What is Restaurant Insurance?

It is a specialized type of coverage designed to protect the unique risks faced by restaurant owners. It typically includes coverage for property damage, liability claims, and business interruption. The aim is to provide financial support in unforeseen events such as natural disasters or accidents.

Insurance for a restaurant business can be a crucial investment to safeguard against the diverse risks inherent in the food business. This crucial support ensures that ongoing expenses, like rent and employee salaries, can still be met even during periods of interrupted operations.

If you need a quote for the same, contact Exceed Insurance Agency. Our goal is to provide you with the best insurance policy for your circumstances. 

Restaurant Insurance Coverage

It typically includes a combination of different types of insurance coverage, such as:

  • General liability insurance: This insurance helps cover third-party bodily injury, property damage, product liability, and advertising injury claims.
  • Property insurance: This insurance helps protect a restaurant’s physical assets, including the building, equipment, inventory, and furnishings, against damages caused by fires or theft.
  • Workers’ compensation insurance: This insurance may help provide replacement income and medical benefits to injured or ill employees due to a work-related incident.

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Food Contamination Protection

Liquor Liability Coverage

  • Business interruption insurance: This business insurance may help compensate for lost income and operating expenses when a restaurant is temporarily unable to operate due to covered events.
  • Spoilage coverage can reimburse the restaurant for financial losses due to food spoilage or contamination.

What Factors Can Impact Business Restaurant Insurance Rates?

Several factors can impact business restaurant insurance rates. It’s important to note that these factors can vary depending on the insurance provider and the specific policy. Here are some of the key factors that can influence the rates:

  • Geographic location
  • Size and seating capacity.
  • If alcohol is served
  • Safety measures
  • Claims history
  • Deductibles and coverage limits
  • Available discounts

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The goal of Exceed Insurance Company is to provide its customers with the best insurance for restaurants. So you can have peace of mind and financial protection in the face of unexpected events

Regions We Serve

East Coast




Great Plains

West Coast

Mountain West


Exceed’s restaurant insurance is available for everyone, no matter where you are in the United States.


Absolutely. Exceed Insurance understands that every restaurant is unique, allowing you to customize your coverage to address the specific risks your food business faces.

Exceed’s Restaurant Insurance covers a range of incidents, including fire, theft, natural disasters, customer injuries, property damage and many more.

We provide comprehensive tailored insurance for food business, including property protection, general liability, and specialized coverages like liquor liability and foodborne illness.

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