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
“Mark and the Statement Team have been nothing short of amazing for both my business and personal insurance needs.”
“The Statement Insurance team has been incredible – quick to respond, patient in explaining complex policies.”
“Mark and his team are responsive to any needs we have and what sets them apart.”
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.
Food & Beverage Coverage
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 and 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. 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 DoorDash 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.