Connecticut Restaurant Insurance
Insurance Designed for Restaurants
Running a restaurant requires passion, hard work, and attention to countless details every day. From managing staff and serving customers to maintaining equipment and inventory, there is a lot that goes into keeping your business operating smoothly.
At CT Insurance Exchange, we understand the unique challenges restaurant owners face. Whether you own a fine dining establishment, family restaurant, café, food truck, pizzeria, or catering business, we’ll take the time to learn about your operation, your employees, and your specific risks before recommending coverage.
As an independent insurance agency, we work with a variety of highly rated insurance companies, allowing us to compare options and build a customized insurance program that fits your business and budget. Our goal is to help protect everything you’ve worked so hard to build.
Restaurant Insurance Coverages
General Liability Insurance
General liability insurance helps protect your restaurant from claims involving bodily injury, property damage, and other covered incidents that may occur on your premises or as a result of your operations.
Commercial Property Insurance
Whether you own your building or lease your space, commercial property insurance can help protect your building, furniture, equipment, inventory, and other business property from covered losses.
Commercial Auto Insurance
If your restaurant owns vehicles for deliveries, catering, or other business purposes, commercial auto insurance can help protect your business from accidents, vehicle damage, and liability claims.
Food Spoilage Coverage
Power outages, equipment breakdowns, and refrigeration failures can result in significant inventory losses. Food spoilage coverage can help reimburse the cost of perishable food damaged by covered events.
Food Contamination Coverage
A food contamination incident can be costly and damaging to your reputation. This coverage can help pay for food replacement, cleanup expenses, certain lost income, and other covered costs associated with a contamination event.
Workers’ Compensation Insurance
Workers’ compensation provides benefits for employees who suffer work-related injuries or illnesses. Coverage can help pay for medical expenses, rehabilitation costs, and lost wages while helping your business comply with Connecticut requirements.
Business Income Insurance
If a covered loss forces your restaurant to temporarily close, business income coverage can help replace lost revenue and assist with ongoing expenses such as rent, payroll, and utilities.
Equipment Breakdown Coverage
Restaurants depend on specialized equipment every day. Equipment breakdown coverage can help protect refrigerators, freezers, ovens, HVAC systems, dishwashers, point-of-sale systems, and other essential equipment from covered mechanical failures.
Liquor Liability Insurance
If your restaurant serves alcohol, liquor liability coverage can provide important protection against claims arising from alcohol-related incidents and may be required depending on your operation.
Additional Coverages
Depending on your business, we may also recommend coverage such as:
- Cyber Liability
- Insurance Employment Practices Liability Insurance
- Umbrella Liability Coverage
- Employee Dishonesty Coverage
- Equipment and Inventory Protection
- Catering and Off-Premises Event Coverage
- Sign Coverage
- Crime Coverage
- Business Interruption Insurance
Why Restaurant Owners Choose CT Insurance Exchange
For more than two decades, Connecticut business owners have trusted CT Insurance Exchange to help protect what matters most. We believe insurance should be built on relationships—not just policies. That’s why we take the time to ask questions, identify potential coverage gaps, and help you understand your options before making recommendations. Whether you’re opening your first restaurant or managing multiple locations, our team is here to help you find coverage that fits your needs today and adapts as your business grows. Contact CT Insurance Exchange today for a complimentary restaurant insurance review and quote.