Restaurant Insurance in Delaware & Maryland

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Tailored Insurance for Restaurants, Cafes & Food Service Businesses

Coverage That Keeps Your Kitchen & Cash Flow Protected

Whether you're serving up seafood in Rehoboth, running a family diner in Dover, or managing a fast-paced café in Easton, your restaurant faces unique risks. From grease fires to food spoilage to customer slip-and-falls, restaurant insurance helps protect the business you've poured your time—and recipes—into. We help owners across Delaware and Maryland insure the physical space, the food, the staff, and the daily operations that keep things cooking. Your restaurant may be small, but your liability isn’t. We’ll help you stay covered and compliant.

What’s Included in Restaurant Insurance?

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General Liability Insurance

Covers customer injuries, food-related illnesses, or damage caused by your operation.

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Commercial Property Insurance

Protects your building, kitchen equipment, furniture, signage, and more.

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Food Spoilage & Equipment Breakdown

Covers the loss of food inventory due to power outage, equipment failure, or refrigeration issues.

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Liquor Liability Insurance

Required if you serve alcohol—protects against alcohol-related incidents and lawsuits.

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Workers Compensation

Covers your kitchen and wait staff if they’re hurt on the job.

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Business Interruption Coverage

Replaces lost income if your restaurant must temporarily close due to a covered event.

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Local Experience Serving Local Kitchens

You face daily risks, from hot kitchens to packed dining rooms to delivery drivers on the road. We know restaurant operations from the inside out—and we make it simple to cover the parts of your business that need the most protection.

Benefits of having insurance with us:

  • Policies customized for food service risks
  • Local insight into health, liquor, and fire code requirements
  • Quick service on COIs for vendor or event partnerships
  • Bundled options to cover multiple locations or delivery services
  • Responsive help during claims or interruptions
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Real Protection for the Realities of Restaurant Life

Restaurant Insurance FAQs

  • Do I need separate insurance if I offer delivery?

    Yes. If your business or staff delivers food, we’ll help you add the right auto or hired/non-owned vehicle coverage.

  • What’s covered if the power goes out and we lose food?

    We can include spoilage coverage that reimburses you for food lost due to outages, equipment failure, or compressor breakdowns.

  • I rent my restaurant space. Do I still need property insurance?

    Yes. You’re responsible for insuring your business contents—equipment, décor, and inventory—even if you lease the building.

  • What’s liquor liability, and do I need it?

    If you sell or serve alcohol, liquor liability is essential. It protects you from alcohol-related claims, which are often excluded from general liability policies.