Restaurants, cafes, and hospitality venues deal with the public constantly, which creates liability exposure that looks different from almost any other business type — foodborne illness, slip-and-fall, and liquor liability if you serve alcohol.
Get Started →High foot traffic means more opportunities for an incident, and food service adds exposure that most businesses never deal with — from a customer's allergic reaction to a kitchen fire during a dinner rush.
Commercial kitchen equipment is expensive to replace and often runs constantly, which makes breakdown coverage more relevant here than in a typical office-based business. If alcohol is part of your business, that's a distinct coverage conversation on its own.
Coverage needs vary by whether you serve alcohol, your seating capacity, and your kitchen setup — these are the types that come up consistently.
Food service businesses in Arizona are subject to state and county health department inspections, and specifics vary by county — worth confirming your local requirements separately from your insurance program.
Two minutes to get started — we'll take it from there.
Get Started →