Insurance That Serves Up Protection You Can Count On

Tailored coverage for restaurants, bars, breweries, and food producers—built to perform when it counts.

Why Restaurants Work with Statement

  • We understand your industry—and your pain points

  • We build coverage to match your operation, not generic policies

  • We’re fast, responsive, and easy to work with

  • We help you control insurance costs without cutting corners

Request Quote
  • Ruby's Shake Shop logo with red text and a stylized red shake cup outline.

    “Mark and the Statement Team have been nothing short of amazing for both my business and personal insurance needs. Have businesses and residences all over the country creates complexity. Statement does what it takes to ensure that we are always protected.”

    -Joe Micatrotto
    CEO
    Ruby’s Hospitality Group

  • Logo of Great Basin Brewing Co. featuring a mountain outline inside a diamond shape, with the company name and the text 'Since '93'.

    "The Statement Insurance team has been incredible – quick to respond, patient in explaining complex policies in plain English, and always ready to help with claims. They take the time to decipher our leases and contracts, make sure we have the right coverage without overpaying, and find ways to combine coverage across locations. Our company’s needs can be a bit complex at times, yet they never make me feel like I’m asking too much - meeting with us in person, answering questions year-round, and even joining onsite inspections to make sure nothing falls through the cracks. Their sincerity, genuine care, and support throughout the year are truly unmatched."

    - Danielle Brandenburg
    Director of Operations
    Great Basin Brewing Co.

  • Logo for Local Food Group Reno, Nevada, featuring a winged pig with a halo, stating 'Approved' and 'established 2011,' with tagline 'Fresh, Seasonal, Simple, Local.'

    "Mark and his team are responsive to any needs we have and what sets them apart for our company is that are pro active in sharing new products, coverages and ways to maximize our money and peace of mind."

    -Mark Estee
    Owner, Executive Chef
    Reno Local Food Group

  • Logo with white text on a blue circular background.

    "Statement Insurance is the all inclusive package for business owners. Knowledgeable, efficient, responsive, and beyond helpful. Insurance partners you can trust."

    -Brent Ross
    Owner
    Washoe Public House

  • Logo of High Mark Distillery with stylized mountain and sun design.

    "Any insurance company could cover our basic policy needs, but the Team at Statement Insurance is truly Extraordinary! With their team working hard to predict our needs every year, we have been able to continue growing at a fast in the Bourbon Industry! "

    -Felicia Keith-Jones

    Owner - Master Distiller
    High Mark Distillery

A cozy cafe interior with a brick wall, black pendant lights, and wooden furniture, including a bar counter with stools and a high table with chairs, decorated with black vases and plants.

At Statement Insurance Agency, we know food & beverage

That’s why we created a program built specifically for your industry: simple, reliable, and cost-effective coverage, backed by a team who gets what you do.

 Based in Reno, Nevada—serving businesses across the western U.S.

Get Quote

Food & Beverage Coverage

    • Restaurants (Full-Service, Quick-Service, and Chains)

    • Bars and Nightclubs

    • Breweries and Taprooms

    • Franchisees and Franchisors

    • Food Manufacturers and Processors

    • Cafés, Coffee Shops, Bakeries

    Whether you're serving on-site, producing at scale, or delivering to customers—our program fits your needs.

  • We offer key coverages tailored to the exposures of the food & beverage industry.

    • Food Spoilage

    • Food Contamination

    • Trade Name Risk

    • Franchisor Protection

    • General Liability – Slip-and-fall injuries, customer property damage, and more

    • Liquor Liability - Claims of overserving a guest

    • Workers Compensation – Required protection for employees injured on the job

    • Commercial Auto – Delivery vehicles, catering vans, and food trucks

    • Umbrella Liability – Extra limits for lawsuits and large claims

    • Employment Practices Liability (EPLI) – Coverage for hiring/firing-related risks

    • Cyber Liability – Protects customer payment data and online ordering systems

    • Building Coverage – Owned or tenant spaces

    • Tenant Improvements – Build-outs, installed kitchens, and interior finishes

    • Business Personal Property – Equipment, inventory, POS systems

    • Business Interruption – Revenue loss from closures or equipment breakdowns

    • Equipment Breakdown – Coverage for kitchen equipment, refrigeration, and freezers

    • Sales Tax Bonds – Required for many food retail operations

    • License & Permit Bonds – Help meet local health department regulations

Get Quote

Risk Management Resources

  • Incident Report for Customer Injuries

    Download

  • AmTrust Restaurant Risk Report

    Download

  • Slip & Fall Prevention Guidelines

    Download

  • Kitchen Fire Safety Best Practices

    Download

  • Food Truck Safety Inspection Forms

    Download

FAQs

What types of insurance does a food & beverage business (e.g., a restaurant or bar) need?

The coverage your restaurant needs is as unique as your menu. Typical policies include general liability, commercial property, workers’ compensation (required if the business has employees in states like Nevada or California), and liquor liability if alcohol is served. When helping you develop a complete coverage package, we review your lease, franchise agreement, and other contracts to determine you’re meeting your obligations. Other factors that will influence your insurance program include if you offer delivery or take out, do you provide offsite catering or host events, do you have entertainment like live music or games.

How much does restaurant insurance cost?

Costs can vary significantly. Liability coverages are typically rated based on your sales while property coverage will be based on the value of the contents and improvements in your restaurant and whether or not you own the building (or are required to insure it). At Statement, once we determine your coverage needs, we shop the insurance market for you to find the company offering the best price for the coverage you need.

Do I need liquor liability insurance if my establishment serves alcohol?

Yes. Liquor Liability is necessary to cover claims that arise from guests that have been served alcohol adn then injure themselves or someone else. This is a significant risk in most states. Nevada is unique in that we have laws that protect establishments from this type of claim.

Which insurance coverage is legally required for restaurants?

The primary legally mandated coverage is typically workers’ compensation for employees. General liability insurance isn’t mandated by law, but it is often required by landlords or contracts with franchisors or other suppliers.

Does my restaurant insurance cover delivery drivers and third-party delivery services?

With the rise of food delivery (think DoorDash and Uber Eats), many restaurant owners ask if their insurance extends to delivery. This is a critical topic, especially after the pandemic increased delivery operations. Standard restaurant policies typically do not cover accidents by employed delivery drivers using personal vehicles. You’ll need a hired and non-owned auto policy add-on to be protected if a driver gets in an accident while delivering food. 3rd Party delivery apps like Door Dash and Uber Eats present less liability to restaurant owners. These companies have their own insurance that responds to a claim and , because the driver is hired by the customer and not the restaurant, the restaurant is generally not liable for accidents involving these drivers.