Industries
Insurance for Food Service Businesses
Food businesses combine almost every classic insurance exposure under one roof: customers on premises, employees with knives and fryers, products people ingest, often alcohol, and equipment that the whole operation dies without.
BrokerPro insures restaurants, caterers, food trucks, ghost kitchens, and packaged food makers across Arizona.
Common risks
The food service risk lineup:
- Slip and falls, the most frequent restaurant claim
- Foodborne illness allegations
- Kitchen fires and equipment breakdown
- Employee cuts, burns, and lifting injuries
- Liquor liability where alcohol is served
- Spoilage when refrigeration fails
- Delivery driving, in-house or app-based
Recommended coverage
A food service program usually includes:
General liability with products coverage
customers, premises, and what they ate
Property with equipment breakdown and spoilage
kitchens stop when equipment does
Liquor liability
required by Arizona liquor licensing where alcohol is served
Workers compensation
kitchens generate real injury frequency
Business income
covers the revenue gap after a covered shutdown
Hired and non-owned auto
for delivery exposure
What landlords, clients, and contracts commonly require
- Arizona liquor licenses require liquor liability coverage
- Restaurant leases require GL and often property coverage on improvements
- Caterers need event certificates naming venues as additional insured
Common questions
Does my GL policy cover someone claiming food poisoning?
Products coverage within a properly written food service GL policy is designed for exactly that claim. The investigation matters as much as the coverage, so document sourcing and temperatures. If you also sell packaged goods at retail, tell us; that extends the exposure.
What is liquor liability versus host liquor?
If you sell or serve alcohol as part of your business, you need liquor liability; Arizona licensing requires it. Host liquor, included in many GL policies, only covers businesses that do not sell alcohol, like an office party. Restaurants and bars need the real thing.
My walk-in failed overnight and I lost everything in it. Is that covered?
Only if your property policy includes spoilage and equipment breakdown coverage, which base policies often omit. It is one of the most common and most avoidable gaps in restaurant programs, and adding it is usually cheap relative to one loss.
Insurance built around how food service businesses actually work
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