Delegance/Industries/Food Services and Drinking Places/Full-Service Restaurants

Full-Service Restaurants Insurance

NAICS 722511 · Food Services and Drinking Places

Commercial insurance for full-service restaurants placed by Delegance. Restaurants face a dense overlap of liability, property, workers' compensation, and liquor exposures — Delegance places multi-carrier coverage through a panel that has indicated appetite for restaurant operations across most U.S. states.

Typical exposures for full-service restaurants

  • Slip-and-fall liability from foot-traffic-heavy dining rooms
  • Liquor liability and dram shop where alcohol is served
  • Kitchen fire and equipment breakdown losses
  • Employee injury — kitchen burns, knife lacerations, lifting strains (high-frequency WC class)
  • Foodborne illness / product liability claims

Lines we place for full-service restaurants

  • General Liability
    Premises and operations, products-completed ops, personal & advertising injury — the foundation policy for any restaurant.
  • Workers' Compensation
    State-rated WC including monopolistic-state stop gap where applicable; restaurant class codes are mid-frequency higher-severity.
  • Commercial Property
    Building (if owned), business personal property, business income for fire / equipment breakdown losses.
  • Liquor Liability
    Host liquor and dram shop coverage where alcohol is served — required by most state liquor licenses.
  • Hired & Non-Owned Auto
    If staff run errands or do delivery in personal vehicles.

Carriers with indicated appetite for full-service restaurants in our panel

Indicated appetite reflects carrier guidance as of 2026-05-07 and does not guarantee a quote — final eligibility depends on underwriting review.

  • AmTrust
    Lines: WC, BOP
    States with indicated appetite: TX, FL, IL (probed 6 states)
  • Hartford
    Lines: BOP, WC
    States with indicated appetite: CA, TX, NY, FL, IL, OH

Frequently asked questions

  • What insurance does a full-service restaurant need?
    Most full-service restaurants carry a coordinated package: General Liability, Workers' Compensation, Commercial Property (with Equipment Breakdown for kitchen equipment), Liquor Liability where alcohol is served, and Hired & Non-Owned Auto for staff errands or delivery. Higher-volume operations typically add an Umbrella for excess limits over GL, Auto, and Employers Liability — Delegance places the full program across multiple carriers.
  • Which carriers will quote restaurant insurance through Delegance?
    Delegance has indicated appetite from carriers including AmTrust, Hartford, and others in our panel for restaurant operations across most U.S. states. The exact panel and per-line state availability are listed above. Indicated appetite reflects carrier guidance as of the refresh date and does not guarantee a quote — final eligibility depends on underwriting review.
  • Is liquor liability included in a restaurant's General Liability?
    Generally no. Most General Liability policies exclude liquor-related claims (host liquor and dram shop liability), so restaurants serving alcohol typically need a separate Liquor Liability policy. Many states also require it as a condition of the liquor license. Delegance places Liquor Liability alongside the GL whenever the operation involves on-premises alcohol service so coverage is coordinated and gap-free.
  • Are there state-specific rules for restaurant insurance?
    Yes. Workers' Compensation is monopolistic in North Dakota, Ohio, Washington, and Wyoming — those states require coverage from the state fund and a Stop Gap policy from a private carrier for employer's liability. Most states also require a separate Liquor Liability policy as a condition of the liquor license. Delegance handles both the state-specific WC and the liquor placement.
  • How fast can I get a quote or COI for my restaurant?
    Multi-carrier quotes typically return within 24 hours of submitting the intake — Delegance routes to all carriers in our restaurant panel with indicated appetite simultaneously, so you compare quotes side-by-side rather than waiting on serial broker emails. Once bound, Certificates of Insurance are generated in seconds via the portal, ChatGPT, Claude, Slack, email, phone, or MCP — no broker email round-trip.

Compare quotes for full-service restaurants

Self-service multi-carrier quote intake. Submit once; Delegance routes to carriers in our panel with indicated appetite for your class. Quotes typically return within 24 hours.

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Delegance Brokerage, Inc. — National Producer Number 21282686. Licensed in all 50 U.S. states and the District of Columbia. Information on this page is general; specific coverage, limits, and eligibility depend on the actual policy and carrier underwriting review.