RESTAURANT INSURANCE
Insurance Built for Restaurants & Food Businesses
From neighborhood cafés to large-scale food manufacturers, Hoya designs insurance programs that protect your kitchen, your customers, and your livelihood — in English, Chinese, and Spanish.
30+
Years insuring food businesses
48
States we operate in
3
Service languages
Fast
Certificate turnaround
WHO WE SERVE
Food businesses we insure
COVERAGE OPTIONS
What We Cover
A complete insurance program for food businesses — from the kitchen to the dining room to the delivery van.
Commercial Property
Protect your restaurant building, kitchen equipment, furniture, and inventory from fire, theft, water damage, and equipment breakdown.
- Building & leasehold improvements
- Kitchen equipment & appliances
- Food & beverage inventory
- Business interruption
General Liability
Core protection for bodily injury and property damage claims from customers, vendors, and delivery personnel on your premises.
- Premises & operations
- Customer slip & fall
- Food-related illness claims
- Contractual liability
Liquor Liability
If you serve beer, wine, or spirits, liquor liability is essential. Covers claims arising from alcohol service to guests.
- Dram shop liability
- Guest intoxication claims
- Third-party injury
- Happy hour & event coverage
Food Contamination & Spoilage
Covers the cost of discarding contaminated food, cleaning your kitchen, and managing a food safety incident or health department closure.
- Contamination cleanup costs
- Food spoilage from power outage
- Health department closure
- PR & crisis management
Workers' Compensation
Restaurant workers face real risks — kitchen burns, knife injuries, slips on wet floors. Protect your team and your business.
- Medical expense coverage
- Lost wage replacement
- Employer's liability
- Part-time & seasonal workers
Commercial Auto
Coverage for delivery vehicles, catering vans, and company cars used in your restaurant operations.
- Owned & leased vehicles
- Hired & non-owned auto
- Delivery driver coverage
- Catering vehicle programs
Employment Practices Liability (EPLI)
Restaurants have high employee turnover and diverse workforces. Protect against claims of discrimination, harassment, and wrongful termination.
- Wrongful termination
- Discrimination claims
- Sexual harassment
- Wage & hour disputes
Cyber Liability
Point-of-sale systems and online ordering platforms are prime targets for data theft. Protect your customers' payment data.
- POS system data breach
- Online ordering platform breach
- Customer notification costs
- Regulatory fines & penalties
RISK LANDSCAPE
The risks restaurants face every day
Restaurants face a unique combination of fire, liability, food safety, and employment risks. A single kitchen fire or foodborne illness outbreak can close your doors permanently. Hoya helps you build a program that keeps your business protected and your doors open.
Talk to a specialist- Kitchen fires and grease trap explosions
- Customer foodborne illness claims
- Slip and fall injuries on wet floors
- Alcohol-related incidents and dram shop liability
- Employee injuries from burns, cuts, and falls
- Food spoilage from refrigeration failure
- Health department closure and reputational damage
- Delivery driver accidents and auto liability
Ready to protect your restaurant?
Our team serves restaurant owners in English, Chinese, and Spanish. We understand the unique risks of the food industry and will build a program that fits your operation and budget.