Small Business Insurance for Restaurants

Coterie Insurance is Available in all States

Small Business Insurance

for Restaurants

Coterie Insurance has an appetite for restaurants in all states across the nation. Place your restaurant business with a trusted partner.


Download Insurance Guide for Restaurants

Look at our insurance guide for restaurants.

View Coterie Apptite

View our appetite before you start a quote.

Start your Quote

Quote your restaurant clients, today.

Coterie’s small business insurance for restaurants:

Get the right small business insurance for restaurants that you work with. Learn more about important operational considerations when writing coverage for these types of businesses.

Frequently Asked Questions
for Restaurant Insurance

Get your questions answered when it comes to placing your restaurant business with Coterie Insurance.

What policies does Coterie recommend for restaurants?

As an insurance professional, you know that restaurant owners face a variety of risks every day. That’s why we offer a comprehensive Businessowners Policy (BOP) that combines property and general liability coverage into a single policy. This can be a more cost-effective option compared to purchasing separate policies. Additionally, we offer add-on coverages such as liquor liability, restaurant enhancement endorsement, and equipment breakdown coverage, among others. Our signature Silver, Gold, and Platinum enhancement endorsements are also available to help protect your client’s business from financial loss. 

What types of restaurant insurance coverage does Coterie offer?

Question 2 answer here.

  • Bakery cafes
  • Cookie stores
  • Delicatessens, Donut, and bagel shops
  • Buffets and cafeterias 
  • Cafes, diners, bistros  
  • Caterers and catering services  
  • Coffee shops and snack bars  
  • Family-style restaurants  
  • Fast food restaurants 
  •  Food concession operators and Food stands or kiosks 
  • Food service contractors – cafeteria, industrial or institutional  
  • Full-service and Limited-service restaurants  
  • Grills  
  • Ice cream, frozen yogurt, or custard stores  
  • Juice bars and smoothie stores  
  • Mobile food trucks and lunch wagons (coverage limitations apply)  
  • Pizza parlors and pizzerias (not eligible for hired/non-owned auto liability)  
  • Pretzel shops  
  • Sandwich and sub shops 
  •  Steak houses  

Does Coterie have any prohibited operations for restaurants?

Yes, at this time Coterie does not offer coverage for the following operations:

  • Airline food service contractors
  • Banquet hall catering staff  
  • Bars or taverns  
  • Breweries or Distilleries 
  • Cabarets  
  • Dance clubs, Dance halls, Nightclubs, or Lounges 
  • Discotheques  
  • Drinking places  
  • Hookah bars or Oxygen bars 
  • Sports bars or Tap rooms  
  • Wine bars or Wineries 

Does Coterie have any safety recommendations or tips that agents can provide to restaurants?

Coterie has a restaurant safety checklist download that Insurance Agents can share with restaurant owners.

Landscapers

Retail Stores

Pressure Washing

Dental Offices

Massage Therapists

Pet Care Businesses

This webpage is intended to provide a general summary of Coterie’s products and services. The information contained in this document is for informational purposes only and does not in any way amend, alter, or extend any policy of insurance or guarantee any specific price, quote or coverage. For a complete understanding of the coverage available, please consult the terms, conditions, definitions, and exclusions of your insurance policy. Please be advised that all products and coverages referenced herein may not be available in all states or to all customers. Please see Coterie’s Terms & Conditions and Privacy Policy for more information.

Agents & Brokers

Let's Work Together

Small Businesses

Policyholder Help Center

At Coterie, we are putting relationships at the forefront of small business insurance.

If you have any questions, Contact Us Today!