Comprehensive Restaurant Insurance for Every Type of Food Business
- Protect Your Restaurant, Food Truck, or Cafe with Tailored Business Insurance Solutions.
Why Covella
Simple & Flexible
- No employees required to qualify
- Short-term or ongoing coverage
- Pay-as-you-go, no hidden costs
Built for Every Business
- Perfect for start-ups and small teams
- Coverage for high-risk industries
- Designed for construction, trucking, restaurants & more
Fast & Hassle-Free
- Get a custom rate in minutes
- Paperwork kept to a minimum
- Digital proof of coverage delivered instantly
Getting Started is Easier Than You Think
01
Fill out the Appetite Check Form
02
Get a Call + Instant Quotes
03
Choose the Right Plan
04
Sign Electronically & Get Covered
Who Needs Restaurant Insurance?
- Whether you run a cozy café, a bustling food truck, or a fine dining establishment, protecting your business from unexpected risks is essential. Restaurant insurance helps cover property damage, liability claims, employee injuries, and more — giving you the peace of mind to focus on what you do best: serving great food and creating memorable experiences.
- From liability for slip-and-fall accidents to coverage for kitchen fires or food contamination claims, Covella provides comprehensive protection tailored to the unique risks of the food service industry.
Industries We Cover
What People Say About Us
- "Covella's restaurant insurance gave us exactly what we needed — coverage for our kitchen, dining room, and staff all in one policy. The team made it incredibly easy to understand what we were paying for."
- Maria S.
- Fine Dining Restaurant Owner
- "Running a food truck means I'm constantly on the move. Covella's flexible coverage options and mobile-friendly service made getting insured a breeze. I got my certificate the same day!"
- David K.
- Food Truck Operator
- "We opened our café during the pandemic and needed affordable, reliable coverage fast. Covella delivered with great rates and fantastic customer support. Highly recommend!"
- Jessica L.
- Café Owner
FAQs
Restaurants typically need general liability insurance, property insurance, workers' compensation, liquor liability (if serving alcohol), and commercial auto insurance (for delivery vehicles). Covella can bundle these coverages into a comprehensive package tailored to your specific needs.
Yes, many restaurant insurance policies include product liability coverage that protects you if a customer becomes ill from food or beverages served at your establishment. This coverage can help with legal fees, medical expenses, and settlement costs.
The cost varies based on factors like your restaurant size, location, type of cuisine, number of employees, and claims history. With Covella, you'll receive a custom quote in minutes that reflects your unique business profile. We also offer flexible payment plans to fit your budget.
Yes, most cities and states require food trucks to carry general liability and commercial auto insurance. You may also need workers' comp if you have employees. Covella specializes in mobile food service coverage and can help you meet all legal requirements quickly.
Absolutely. In most cases, Covella can provide same-day certificates of insurance once you complete your application and payment. This means you can get covered and start serving customers without delay.
Ready to Get Covered?
- Get a custom quote today and start your coverage in minutes.
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- 1-800-COVELLA
- info@covella.com
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