Restaurant Insurance

Our products are specifically designed to meet the needs of different types of restaurants.


Coverage Your Restaurant Can Depend On

AmTrust has made it easier than ever for our restaurant clients to get all the coverages they need. From Workers’ Compensation and BOP to Cyber insurance, we know restaurants and our expertise benefits our insureds. 
Restaurant Risk Report

AmTrust Restaurant Risk Report

The 2022 AmTrust Restaurant Risk Report examined over ten years of workers' compensation claims to help employers identify common restaurant worker injury trends and learn how to prevent them. The report analyzed nearly 170,000 claims and found: 
  • Mental stress claims have skyrocketed, with 2021 being the highest on record 
  • Injuries are the highest in July and lowest in January, February, September and November 
  • While overall injuries are down compared to pre-pandemic numbers, certain injury categories like crushing, fainting, inflammation and strains are up 
Download or cobrand the report today.
Hear from a few of our restaurant policyholders:

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    What is Restaurant Insurance?

    The restaurant industry is ever-evolving and booming, with nearly 750,000 restaurant locations in the U.S. employing over 15 million workers. Nine out of ten restaurants are small businesses with fewer than 50 employees. Restaurant owners face challenges unique to their industry, such as broken appliances, spoiled food, and employee injuries from working in high-risk environments. Restaurant insurance helps business owners cover unexpected costs when things go wrong or accidents occur.  

    Types of Restaurant Insurance Coverages

    AmTrust provides coverage tailored to a variety of establishments that meets the commercial package and workers’ comp needs of restaurants. Our restaurant coverage is designed with flexibility in mind.  

    Workers’ Compensation

    Workers’ compensation insurance protects restaurants by providing benefits to employees injured at work. These benefits can address medical care and related medical costs, retraining, and lost wages until the employee can return to work or compensation for permanent disability.

    Businessowners Policy (BOP)

    A businessowners policy is a type of commercial insurance that can provide various protections for restaurants by combining insurance coverage protections into one bundle. The standard combination is general liability, property and business interruption insurance.

    Commercial Package

    Customize package products to meet each policyholder's specific needs and address special issues in the operation of their businesses. With the underwriting flexibility of AmTrust behind you, you can offer your customers both general liability and product liability coverage. 

    Employment Practices Liability Insurance

    Employment Practices Liability Insurance (EPLI) coverage protects restaurants in the event of employment-related claims, including alleged discrimination, wrongful termination or demotion, sexual harassment and retaliation. An EPLI policy applies to all employees of an insured business, including temporary, part-time, full-time or seasonal workers, volunteers and independent contractors.

    Cyber Insurance

    Restaurants can easily fall victim to a cyber attack where sensitive data like credit card numbers and personal information of customers and workers is compromised. Cyber insurance can help cover those losses.
    • Testimonials

      "You really need to have someone you can trust. AmTrust provides that to us."   

      Carlos Gazitua, President, Sergo’s Family Restaurant 
    • Testimonials

      "After comparing AmTrust with other insurance companies, I figured out AmTrust is very suited for my business."

      Arthur Tang, Owner, Ma Lu Bian Bian Hot Pot 
    • Testimonials

      "My clients like to deal with AmTrust because they enjoy the availability of coverage, the knowledge of their employees, and the service that we can provide to them.”

      Steve Clein, President of C & C Insurance  
      Level up your knowledge
      Restaurant Industry FAQs
      Why is restaurant insurance important for your business?

      Restaurants have unique risks. They present a multi-faceted hazard and injury risk for both employees and customers.  AmTrust Financial has a unique perspective on the restaurant industry with data compiled from processing thousands of workers’ compensation claims. The data has provided insights into common restaurant workers’ injuries, lost time in the workplace and the impact of seasonality on increased injury risk.  

      Restaurant insurance helps protect small businesses from the costs associated with such risks. By following safety and loss control best practices, restaurants can help avoid these incidents. AmTrust policyholders can gain free access to relevant training videos on restaurant safety through our Loss Control Department, as well as a variety of risk management articles. 

      How much does restaurant insurance cost?

      The cost of restaurant insurance depends on many factors, including the size of your business, the type of coverage, the unique risks your restaurant faces, your location and the value of your business property. 

      What kind of insurance does a restaurant or food business need?
      Our insurance policies for restaurants can be written as either a commercial package policy or abusinessowners policy (BOP), depending on the specific risk characteristics of the individual policyholder. Monoline workers’ compensation insurance is also available. We also offer additional insurance coverage restaurants need, such as cyber insurance and employment practices liability insurance

      AmTrust Agents

      AmTrust offers a wide variety of restaurant insurance options designed to meet the needs of owners in the restaurant industry. AmTrust-appointed agents will have direct access to our online system and our underwriters. Take advantage of AmTrust's financial stability, industry experience and commitment to service to protect the businesses of our agents and insured. Download our agent restaurant insurance information and forms below:  


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