Food & Beverage

Food & Beverage

Food & Beverage

Learn what kind of coverage you need as a Food & Beverage. Ready for a quote? We'll help protect your practice quickly and simply.

Learn what kind of coverage you need as a Food & Beverage. Ready for a quote? We'll help protect your practice quickly and simply.

Learn what kind of coverage you need as a Food & Beverage. Ready for a quote? We'll help protect your practice quickly and simply.

Backed by 20+ years’ experience

Save up to 35% on premiums

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We partner with 100+ insurance companies you can count on.

Why Does a Food & Beverage Need Insurance?

Food and beverage businesses handle the public, perishable products, busy staff, and expensive equipment. One slip-and-fall, contamination claim, or kitchen fire can turn into a costly shutdown. Insurance helps keep you open and financially stable.

What Does Food & Beverage Insurance Cover?

It can cover customer injuries, food-related illness claims, property damage like fire or theft, equipment breakdown, and certain losses from interruptions. Coverage is tailored to how you make, serve, store, or distribute food and drinks.

Foodborne illness allegation

A customer reports getting sick after eating your product and posts about it online. A claim follows for medical costs and lost wages, plus legal defense while the cause is investigated.
A customer reports getting sick after eating your product and posts about it online. A claim follows for medical costs and lost wages, plus legal defense while the cause is investigated.

Kitchen fire and forced closure

A grease fire damages the hood system and dining area. Repairs take weeks, payroll continues, and revenue stops. The right policy can help pay for repairs and covered lost income during the shutdown.
A grease fire damages the hood system and dining area. Repairs take weeks, payroll continues, and revenue stops. The right policy can help pay for repairs and covered lost income during the shutdown.

Equipment failure during service

Your walk-in cooler fails overnight and inventory spoils. You also have to cancel orders while you scramble for replacement. Coverage can help with the repair and eligible spoiled stock losses.
Your walk-in cooler fails overnight and inventory spoils. You also have to cancel orders while you scramble for replacement. Coverage can help with the repair and eligible spoiled stock losses.

Food & Beverage Insurance Made Simple

Everything you need to know about protecting your business, from coverage basics to real-world scenarios.

What type of food and beverage businesses do you insure?

We can help many food and beverage operations, including restaurants, cafes, bakeries, caterers, food trucks, specialty producers, beverage brands, and distributors. Your risk profile depends on what you sell, how you prepare it, where you serve it, and whether you deliver or ship. We use those details to match coverage to your day-to-day operations.

Do I need product liability if I am not a manufacturer?

How does business interruption coverage work for restaurants and producers?

What is equipment breakdown coverage and why is it important?

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

What information do you need to quote food and beverage insurance?

What type of food and beverage businesses do you insure?

We can help many food and beverage operations, including restaurants, cafes, bakeries, caterers, food trucks, specialty producers, beverage brands, and distributors. Your risk profile depends on what you sell, how you prepare it, where you serve it, and whether you deliver or ship. We use those details to match coverage to your day-to-day operations.

Do I need product liability if I am not a manufacturer?

How does business interruption coverage work for restaurants and producers?

What is equipment breakdown coverage and why is it important?

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

What information do you need to quote food and beverage insurance?

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.