Businesses that may fit this online path
The application evaluates the exact work performed. Examples in this broad category include:
- Full-service and casual restaurants
- Quick-service and takeout restaurants
- Coffee shops and cafes
- Retail bakeries
- Food trucks and mobile food service
- Caterers and cafeteria operations
Coverage options to consider
Products and endorsements vary by eligibility, profession, state, and the application responses.
Business Owner's Policy
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
General Liability
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Commercial Property
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Workers' Compensation
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Liquor Liability where eligible
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Equipment Breakdown and Food Spoilage
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Cyber Liability
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Information to have ready
- Food, alcohol, catering, delivery, and online sales
- Hours, seating, locations, and employee count
- Cooking, refrigeration, equipment, and property values
- Alcohol service, training, events, and entertainment
- Claims history and requested effective date
Frequently asked questions
Can a restaurant obtain proof of insurance online?
An eligible restaurant can complete the online process and receive policy documents and a Certificate of Insurance by email after purchase.
Does every restaurant qualify for online purchase?
No. Alcohol, late hours, entertainment, delivery, claims, size, location, and other operating details can affect eligibility and available coverage.
Online eligibility and coverage are not guaranteed. Products, terms, pricing, effective dates, and document availability are determined during the application. Actual policy documents control.