Restaurant Insurance Quote
What Restaurant Insurance Covers
A restaurant faces risks that most standard business policies aren't built to handle — customer slip-and-fall claims, kitchen fires, liquor liability, spoiled inventory, and employees injured on a fast-paced floor. TCDS Insurance Agency builds restaurant insurance packages from the ground up, shopping 50+ commercial carriers to find coverage that fits your specific operation across Alabama, Georgia, and Tennessee.
Core Coverages for Alabama, Georgia & Tennessee Restaurants
- General Liability: Covers third-party bodily injury and property damage — a customer trips on a wet floor, a delivery causes damage. Most AL/GA/TN landlords and lenders require $1M per occurrence / $2M aggregate minimum.
- Commercial Property: Covers your building (if you own it), kitchen equipment, furniture, and inventory from fire, theft, vandalism, and most weather events. Equipment breakdown is a critical add-on for commercial kitchens.
- Liquor Liability: Required if you serve alcohol. A separate policy (or endorsement) covering claims arising from alcohol service — fights, DUI accidents involving your patrons, over-service claims. Not included in standard GL.
- Workers' Compensation: Required in Alabama for 5+ employees, Georgia for 3+, and Tennessee for 5+. Kitchen environments carry high injury frequency — burns, cuts, slips — making WC non-negotiable.
- Business Income / Loss of Income: Covers lost revenue and continuing expenses (rent, payroll) during a covered shutdown — a kitchen fire, a health department closure after a covered event. Specify the number of months carefully; rebuilding a restaurant takes 6–12 months.
- Food Spoilage / Contamination: Covers spoiled perishables after a power outage or equipment failure. Often included in a BOP endorsement — verify the sublimit (typically $5,000–$25,000).
How Much Does Restaurant Insurance Cost?
Most full-service restaurants in Alabama, Georgia, and Tennessee pay between $5,000 and $15,000 per year for a complete insurance package, or roughly $420–$1,250 per month. A small café without alcohol may pay as little as $250/month. A high-volume bar and grill with a full liquor license and 20+ employees could pay $1,500/month or more. The biggest cost drivers are annual revenue, seating capacity, whether you serve alcohol, number of employees, and prior claims history.
A Business Owner's Policy (BOP) bundles general liability and commercial property at a discounted rate — typically 15–30% less than buying each separately — and is the starting point for most restaurants with under $5M in annual revenue. Liquor liability, workers' comp, and business income are then added as separate policies or endorsements.
Fast-Food, BBQ, Food Trucks & Catering
Not every restaurant fits the same mold. Food trucks require commercial auto coverage in addition to general liability, and some carriers exclude mobile food units from standard BOPs. Catering operations need off-premises coverage and hired/non-owned auto if staff drive personal vehicles to events. BBQ restaurants with smokers and open flame need carriers that understand the elevated fire risk and don't automatically surcharge for it. TCDS works with specialty hospitality markets that understand these nuances.
Get a Free Restaurant Insurance Quote
Ready to compare restaurant insurance options across 50+ carriers? TCDS Insurance Agency serves restaurants across Alabama, Georgia, and Tennessee. Start your free restaurant insurance quote or call (205) 847-5616 — a licensed commercial agent will review your operation and build the right coverage package.