Food and beverage
insurance that doesn't quit
Find coverage built to withstand your toughest risks.
What insurance do
Food and beverage
businesses need?
We handle the details so you don't have to. Straightforward policies, honest answers, and support when it matters.
General liability insurance
General liability insurance covers damage and injuries a business or its contractors might cause to a third party — from a slip and fall in a store to a rock kicked up by a lawnmower that breaks a window, and everything in between.
Business owner’s policy
A business owner’s policy, or BOP, bundles property, liability and business interruption coverage into a single policy, protecting against equipment damage, customer lawsuits, lost business income due to a covered event like a fire and more.
Workers’ compensation
Workers’ compensation protects employees from work-related injuries, including slips, falls, lacerations and muscle strains. Policies cover all reasonable and necessary medical treatment as well as lost wages.
*Coverage needs vary by business — this reflects commonly needed lines, not a complete list of every policy your business may require.
How much does insurance cost for
Food and beverage
businesses?
The cost of
Food and beverage
business insurance depends on several factors related to your business's risk, including your specific trade, payroll, project types and chosen coverage limits. At EverPeak, we offer competitive rates starting at $18 per month.
Why choose EverPeak for workers’ compensation coverage?
FAQs
Liquor liability often requires separate or endorsed coverage beyond a standard general liability policy. If you serve alcohol, it's worth confirming this specifically with your agent.
A Business Owner's Policy (BOP) can help cover kitchen equipment against damage, fire or theft, depending on your policy's terms and limits.
General liability can help cover claims related to foodborne illness, depending on your policy's terms — it's one of the more common claims in food service, so it's worth confirming your coverage details with an agent.
Ready for insurance that works as hard as your business?
We’ll help you secure the coverage you need.