Alabama restaurant insurance qualified by cooking type, alcohol mix, and fire protection. Coverage for delis, casual dining, and fast food from 50+ carriers.
All Alabama restaurants need insurance, including limited cooking restaurants, casual dining, fast food, bars, catering companies, and food trucks. Restaurants face unique risks including food contamination, liquor liability, kitchen fires, and employee injuries.
Alabama restaurant insurance typically costs $3,000-$12,000 per year depending on restaurant type, size, revenue, and whether you serve alcohol. TCDS shops 50+ carriers for competitive rates.
Alabama restaurant insurance typically costs $2,000 to $6,000 per year for a BOP, depending on cooking type, square footage, revenue, and alcohol sales. Limited cooking operations pay the least.
If your alcohol sales exceed 25% of total revenue, most carriers require a separate liquor liability policy or endorsement. This covers claims arising from serving alcohol to patrons.
Most carriers require a commercial hood and ansul fire suppression system for full-cooking operations. Limited cooking restaurants (no deep fryers or open flames) may not need these systems.
Some carriers offer BOP-style coverage for food trucks, but most food truck operations are better served by a commercial auto policy with general liability. We can help you find the right fit.