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You can be protected from financial losses related to:\r\n<h3>Damage to someone’s property</h3>\r\nA server spills soup on a client’s designer purse and cell phone. The general liability coverage in your insurance package could help pay for replacements.**\r\n<h3>Accidents that hurt someone</h3>\r\nA customer slips and falls in your restaurant’s parking lot. Your restaurant <a href=\"https://www.nextinsurance.com/general-liability-insurance/\">general liability coverage</a> could also come into play here by defending you from legal fees and helping to pay for damages if you are found liable.\r\n<h3>Liquor liability insurance</h3>\r\nAn intoxicated customer accidentally knocks another patron to the ground on the way to the bathroom. The guest breaks her wrist in the fall and sues your business for the medical expenses. 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Workers’ comp is usually required by law if you have employees.\r\n <h3>Injuries and damage involving your business vehicles</h3>\r\n A driver in front of you stops short to avoid a collision and you rear end them with your catering van. <a href=\"https://www.nextinsurance.com/commercial-auto-insurance/\">Commercial auto coverage</a> will help pay for the repairs and medical bills. 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.bg-color-rose img{background-color:#ff0047;}.css-1vhugkq .bg-color-rose .wp-block-quote::before{color:#ff0047;}.css-1vhugkq .bg-color-green img{background-color:#00e650;}.css-1vhugkq .bg-color-green .wp-block-quote::before{color:#00e650;}.css-1vhugkq .bg-color-springGreen img{background-color:#c2ffab;}.css-1vhugkq .bg-color-springGreen .wp-block-quote::before{color:#c2ffab;}.css-1vhugkq .bg-color-orange img{background-color:#ff4100;}.css-1vhugkq .bg-color-orange .wp-block-quote::before{color:#ff4100;}.css-1vhugkq .bg-color-yellow img{background-color:#dcf000;}.css-1vhugkq .bg-color-yellow .wp-block-quote::before{color:#dcf000;}.css-1vhugkq .bg-color-lemonYellow img{background-color:#ffff5e;}.css-1vhugkq .bg-color-lemonYellow .wp-block-quote::before{color:#ffff5e;}.css-1vhugkq .bg-color-lightLemonYellow img{background-color:#ffffd7;}.css-1vhugkq .bg-color-lightLemonYellow .wp-block-quote::before{color:#ffffd7;}.css-1vhugkq .bg-color-violet img{background-color:#ac00e7;}.css-1vhugkq .bg-color-violet .wp-block-quote::before{color:#ac00e7;}.css-1vhugkq .bg-color-gold img{background-color:#ed9100;}.css-1vhugkq .bg-color-gold .wp-block-quote::before{color:#ed9100;}.css-1vhugkq .bg-color-jade img{background-color:#009e73;}.css-1vhugkq .bg-color-jade .wp-block-quote::before{color:#009e73;}.css-1vhugkq .bg-color-peach img{background-color:#ffd2b9;}.css-1vhugkq .bg-color-peach .wp-block-quote::before{color:#ffd2b9;}.css-1vhugkq .bg-color-lavender img{background-color:#dccbff;}.css-1vhugkq .bg-color-lavender .wp-block-quote::before{color:#dccbff;}</style><div class="css-1vhugkq eta8xj40"><p>Whether you’re shipping baked goods from your kitchen or ironing your tablecloths before opening, NEXT has the affordable food business insurance tailored to match your business risks and needs.</p> <p>Oh, and monthly payments to keep your cash flow healthy (even if your menu isn’t).</p> </div></div><div><a target="_self" href="https://track.nextinsurance.com/links?serial=90001"><style data-emotion="css 17uiwer">.css-17uiwer{cursor:pointer;white-space:nowrap;font-family:Graphik Web,sans-serif;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;transition-property:color,background-color,border-color,text-decoration-color,fill,stroke,opacity,box-shadow,transform,filter,backdrop-filter;transition-timing-function:linear;transition-duration:150ms;--tw-bg-opacity:1;background-color:rgb(0 117 255 / var(--tw-bg-opacity));--tw-text-opacity:1;color:rgb(255 255 255 / var(--tw-text-opacity));font-size:1rem;line-height:1rem;letter-spacing:0;height:46px;padding-left:35px;padding-right:35px;border-radius:9999px;border-width:1px;--tw-border-opacity:1;border-color:rgb(0 117 255 / var(--tw-border-opacity));}.css-17uiwer:focus{outline:2px solid transparent;outline-offset:2px;}.css-17uiwer:hover{--tw-bg-opacity:1;background-color:rgb(0 215 255 / var(--tw-bg-opacity));}.css-17uiwer:hover{--tw-text-opacity:1;color:rgb(0 0 0 / var(--tw-text-opacity));}@media (min-width: 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1023px){.css-dli8pr{margin-bottom:30px;font-size:2.083vw;}}@media (min-width: 1920px){.css-dli8pr{font-size:20px;}}</style><h3 class="css-dli8pr e140d9tl2">We specialize in insurance for food and beverage services</h3><style data-emotion="css 1donln4">.css-1donln4{margin-left:auto;margin-right:auto;margin-bottom:40px;width:40%;text-align:center;font-family:Graphik Web,sans-serif;font-size:1.389vw;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (max-width: 639px){.css-1donln4{width:100%;font-size:4.267vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-1donln4{width:80%;font-size:2.083vw;}}@media (min-width: 1920px){.css-1donln4{font-size:20px;}}</style><p class="css-1donln4 e140d9tl1">Choose your profession for more details or start an instant quote and get covered fast</p><div><span class="eyes-storybook-ignore"><style data-emotion="css 172z8np">.css-172z8np{cursor:pointer;white-space:nowrap;word-break:break-all;--tw-text-opacity:1;color:rgb(109 110 113 / var(--tw-text-opacity));transition-property:color,background-color,border-color,text-decoration-color,fill,stroke,opacity,box-shadow,transform,filter,backdrop-filter;transition-timing-function:cubic-bezier(0.4, 0, 1, 1);transition-duration:300ms;}.css-172z8np:hover{transition-timing-function:cubic-bezier(0.4, 0, 1, 1);}@media (min-width: 1024px){.css-172z8np{line-height:102%;}}@media (max-width: 639px){.css-172z8np{white-space:normal;overflow-wrap:normal;word-break:normal;}}@media (min-width: 640px) and (max-width: 1023px){.css-172z8np{line-height:130%;}}.css-172z8np:hover{--tw-text-opacity:1;color:rgb(0 215 255 / var(--tw-text-opacity));}</style><a href="https://www.nextinsurance.com/business/bakery-insurance/" color="primaryBlueHover" role="cob" class="css-172z8np e1bcrqdm0">Bakery</a><span>, </span></span><span class="eyes-storybook-ignore"><style data-emotion="css 1ajn548">.css-1ajn548{cursor:pointer;white-space:nowrap;word-break:break-all;--tw-text-opacity:1;color:rgb(109 110 113 / var(--tw-text-opacity));transition-property:color,background-color,border-color,text-decoration-color,fill,stroke,opacity,box-shadow,transform,filter,backdrop-filter;transition-timing-function:cubic-bezier(0.4, 0, 1, 1);transition-duration:300ms;}.css-1ajn548:hover{transition-timing-function:cubic-bezier(0.4, 0, 1, 1);}@media (min-width: 1024px){.css-1ajn548{line-height:102%;}}@media (max-width: 639px){.css-1ajn548{white-space:normal;overflow-wrap:normal;word-break:normal;}}@media (min-width: 640px) and (max-width: 1023px){.css-1ajn548{line-height:130%;}}.css-1ajn548:hover{--tw-text-opacity:1;color:rgb(255 50 160 / var(--tw-text-opacity));}</style><a href="https://www.nextinsurance.com/business/butcher-shop-insurance/" color="nextPink" role="cob" class="css-1ajn548 e1bcrqdm0">Butcher Shop</a><span>, </span></span><span class="eyes-storybook-ignore"><style data-emotion="css yrc0i1">.css-yrc0i1{cursor:pointer;white-space:nowrap;word-break:break-all;--tw-text-opacity:1;color:rgb(109 110 113 / var(--tw-text-opacity));transition-property:color,background-color,border-color,text-decoration-color,fill,stroke,opacity,box-shadow,transform,filter,backdrop-filter;transition-timing-function:cubic-bezier(0.4, 0, 1, 1);transition-duration:300ms;}.css-yrc0i1:hover{transition-timing-function:cubic-bezier(0.4, 0, 1, 1);}@media (min-width: 1024px){.css-yrc0i1{line-height:102%;}}@media (max-width: 639px){.css-yrc0i1{white-space:normal;overflow-wrap:normal;word-break:normal;}}@media (min-width: 640px) and (max-width: 1023px){.css-yrc0i1{line-height:130%;}}.css-yrc0i1:hover{--tw-text-opacity:1;color:rgb(255 65 0 / var(--tw-text-opacity));}</style><a href="https://www.nextinsurance.com/business/catering-insurance/" color="orangeRed" role="cob" class="css-yrc0i1 e1bcrqdm0">Catering</a><span>, </span></span><span class="eyes-storybook-ignore"><style data-emotion="css jtxjzd">.css-jtxjzd{cursor:pointer;white-space:nowrap;word-break:break-all;--tw-text-opacity:1;color:rgb(109 110 113 / var(--tw-text-opacity));transition-property:color,background-color,border-color,text-decoration-color,fill,stroke,opacity,box-shadow,transform,filter,backdrop-filter;transition-timing-function:cubic-bezier(0.4, 0, 1, 1);transition-duration:300ms;}.css-jtxjzd:hover{transition-timing-function:cubic-bezier(0.4, 0, 1, 1);}@media (min-width: 1024px){.css-jtxjzd{line-height:102%;}}@media (max-width: 639px){.css-jtxjzd{white-space:normal;overflow-wrap:normal;word-break:normal;}}@media (min-width: 640px) and (max-width: 1023px){.css-jtxjzd{line-height:130%;}}.css-jtxjzd:hover{--tw-text-opacity:1;color:rgb(220 240 0 / var(--tw-text-opacity));}</style><a href="https://www.nextinsurance.com/business/coffee-shop-insurance/" color="nextYellow" role="cob" class="css-jtxjzd e1bcrqdm0">Coffee Shop</a><span>, </span></span><span class="eyes-storybook-ignore"><style data-emotion="css w8mc1">.css-w8mc1{cursor:pointer;white-space:nowrap;word-break:break-all;--tw-text-opacity:1;color:rgb(109 110 113 / var(--tw-text-opacity));transition-property:color,background-color,border-color,text-decoration-color,fill,stroke,opacity,box-shadow,transform,filter,backdrop-filter;transition-timing-function:cubic-bezier(0.4, 0, 1, 1);transition-duration:300ms;}.css-w8mc1:hover{transition-timing-function:cubic-bezier(0.4, 0, 1, 1);}@media (min-width: 1024px){.css-w8mc1{line-height:102%;}}@media (max-width: 639px){.css-w8mc1{white-space:normal;overflow-wrap:normal;word-break:normal;}}@media (min-width: 640px) and (max-width: 1023px){.css-w8mc1{line-height:130%;}}.css-w8mc1:hover{--tw-text-opacity:1;color:rgb(0 230 80 / var(--tw-text-opacity));}</style><a href="https://www.nextinsurance.com/business/farmers-market-insurance/" color="primaryGreenHover" role="cob" class="css-w8mc1 e1bcrqdm0">Farmers Market</a><span>, 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srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/dedicated-1.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/dedicated-1.png" alt="Dedicated small business insurance" loading="lazy" fetchpriority="auto"/></picture></div><style data-emotion="css 1gxcrnk">.css-1gxcrnk{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;padding-top:5vw;text-align:left;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-1gxcrnk{width:45.443vw;padding-top:0px;padding-bottom:0px;text-align:left;}}@media (min-width: 1024px){.css-1gxcrnk{width:47.986vw;}}@media (min-width: 1920px){.css-1gxcrnk{width:55%;}}</style><div class="css-1gxcrnk e1ormahl3"><style data-emotion="css yaqsty">.css-yaqsty{margin:0px;font-family:GT Alpina,sans-serif;font-size:7.467vw;font-weight:400;line-height:115%;letter-spacing:-0.03em;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-yaqsty{width:100%;font-size:3.646vw;}}@media (min-width: 1024px){.css-yaqsty{font-size:2.778vw;}}@media (min-width: 1920px){.css-yaqsty{font-size:40px;}}</style><h2 role="title" data-cy="MosaicTitle" class="css-yaqsty e1ormahl1">Why do food and beverage business owners need insurance?</h2><style data-emotion="css 14z516">.css-14z516{margin-top:1em;margin-bottom:1em;font-family:Graphik Web,sans-serif;font-size:4.267vw;font-weight:400;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-14z516{width:100%;font-size:2.083vw;}}@media (min-width: 1024px){.css-14z516{font-size:1.389vw;}}@media (min-width: 1920px){.css-14z516{font-size:20px;}}</style><div role="subtitle" data-cy="MosaicSubtitle" class="css-14z516 e1ormahl0"><div class="css-1vhugkq eta8xj40"><p>Food service business insurance offers you protection from a wide range of unexpected events and accidents, including:</p> <ul> <li aria-level="1">A customer slipping and falling on a wet floor</li> <li aria-level="1">An employee who is injured on the job</li> <li aria-level="1">Damage equipment</li> <li aria-level="1">Spoiled inventory</li> </ul> <p>We know there are hundreds of things to keep track of when you run a food service business, so we’ve curated helpful <a href="https://www.nextinsurance.com/lps/restaurant-success-center/">checklists and tips for restaurant owners</a> to protect and grow your food business.</p> <p>We’ve also designed insurance policies to take some of those worries off your plate.</p> <p>Having the right types of insurance for your food service business means that you don’t have to pay out of pocket if an accident does occur. You can run your business and keep your customers happy without worrying about those pesky “what if” scenarios.</p> </div></div><div data-cy="MosaicModuleCTAButton"><a target="_self" href="https://track.nextinsurance.com/links?serial=90001"><button class="group css-17uiwer eb5jaud17"><span>Get Instant Quote</span></button></a></div></div></div></div></div><div ni-selector="6-mosaic_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="6-mosaic"><div data-cy="MosaicModuleContainer" class="css-767h84 e1ormahl5"><style data-emotion="css 14l247s">.css-14l247s{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;padding:4.267vw;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-column-gap:0;column-gap:0;}@media (min-width: 640px){.css-14l247s{-webkit-align-items:flex-start;-webkit-box-align:flex-start;-ms-flex-align:flex-start;align-items:flex-start;padding:7.8vw;}}@media (min-width: 1024px){.css-14l247s{padding:5.5vw;}}@media (min-width: 1920px){.css-14l247s{margin-left:auto;margin-right:auto;width:1700px;padding-top:6rem;padding-bottom:6rem;}}@media (min-width: 640px){.css-14l247s{-webkit-column-gap:7.447vw;column-gap:7.447vw;}}@media (min-width: 1024px){.css-14l247s{-webkit-column-gap:7.889vw;column-gap:7.889vw;}}@media (min-width: 1920px){.css-14l247s{-webkit-column-gap:5%;column-gap:5%;}}@media (min-width: 640px){.css-14l247s{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;}}</style><div class="css-14l247s e1ormahl4"><div class="css-p0m1bl e1ormahl2"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/youre-covered-blue-pink-1.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/youre-covered-blue-pink-1.png" alt="Get business insurance coverage" loading="lazy" fetchpriority="auto"/></picture></div><div class="css-1gxcrnk e1ormahl3"><h2 role="title" data-cy="MosaicTitle" class="css-yaqsty e1ormahl1">How food service liability insurance protects your business</h2><div role="subtitle" data-cy="MosaicSubtitle" class="css-14z516 e1ormahl0"><div class="css-1vhugkq eta8xj40"><p><a href="/general-liability-insurance/food-services/">Food service general liability insurance</a> offers broad protection that can help cover expenses if a customer gets hurt at your business, if someone claims you caused food poisoning or if someone says your marketing efforts were misleading or slanderous.</p> <p>That’s why <a href="/general-liability-insurance/">general liability</a> is usually the first type of insurance food and beverage business owners buy.</p> <p>For example, if two of your servers collide and spill food and coffee on customers, ruining their laptop, liability can cover a replacement and protect you if the customer files a claim.</p> <p>Or if one of your chefs doesn’t follow protocol for cooking chicken and, as a result, customers get salmonella food poisoning and are hospitalized, your business could be held liable for the medical expenses.</p> </div></div><div data-cy="MosaicModuleCTAButton"><a target="_self" href="https://track.nextinsurance.com/links?serial=90001"><button class="group css-17uiwer eb5jaud17"><span>Get Instant Quote</span></button></a></div></div></div></div></div><div ni-selector="7-mosaic_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="7-mosaic"><div data-cy="MosaicModuleContainer" class="css-767h84 e1ormahl5"><div class="css-7n0avb e1ormahl4"><div class="css-p0m1bl e1ormahl2"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/06/affordable.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/06/affordable.png" alt="How much does insurance cost" loading="lazy" fetchpriority="auto"/></picture></div><div class="css-1gxcrnk e1ormahl3"><h2 role="title" data-cy="MosaicTitle" class="css-yaqsty e1ormahl1">How much does food and beverage insurance cost?</h2><div role="subtitle" data-cy="MosaicSubtitle" class="css-14z516 e1ormahl0"><div class="css-1vhugkq eta8xj40"><p>You can save up to 25% in discounts when you buy food and beverage business insurance with NEXT. The exact amount you pay will depend on:</p> <ul> <li aria-level="1">The type of food service business you operate</li> <li aria-level="1">Where your business is located</li> <li aria-level="1">Your payroll and the kinds of jobs your employees do</li> <li aria-level="1">The number and types of vehicles you use at work</li> </ul> </div></div><div data-cy="MosaicModuleCTAButton"><a target="_self" href="https://track.nextinsurance.com/links?serial=90001"><button class="group css-17uiwer eb5jaud17"><span>Get Instant Quote</span></button></a></div></div></div></div></div><div ni-selector="9-love_next_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="love-next"><style data-emotion="css 7rz52v">.css-7rz52v{--tw-bg-opacity:1;background-color:rgb(255 210 185 / var(--tw-bg-opacity));}</style><div class="css-7rz52v e16e0dun4"><style data-emotion="css nqy23w">.css-nqy23w{box-sizing:border-box;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;justify-items:center;padding:5.556vw 5.556vw;font-family:GT Alpina,sans-serif;font-size:2.778vw;line-height:115%;letter-spacing:-0.03em;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (max-width: 639px){.css-nqy23w{padding:8.533vw 4.267vw;font-size:7.467vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-nqy23w{padding:7.81vw;font-size:3.646vw;}}@media (min-width: 1920px){.css-nqy23w{margin-left:auto;margin-right:auto;width:1700px;padding-left:0px;padding-right:0px;padding-top:80px;padding-bottom:80px;font-size:40px;}}</style><span class="css-nqy23w e16e0dun3"><style data-emotion="css qjp0l5">.css-qjp0l5{margin-bottom:2vw;text-align:center;}@media (max-width: 639px){.css-qjp0l5{margin-bottom:4.267vw;width:100%;}}@media (min-width: 640px) and (max-width: 1023px){.css-qjp0l5{margin-bottom:3.125vw;}}@media (min-width: 1920px){.css-qjp0l5{margin-bottom:1.5rem;}}</style><span class="css-qjp0l5 e16e0dun2"><h2 type="h2-titles-alpina-md" role="title" class="css-83gwoi e3r5m8y3">Business insurance has never been easier</h2></span><style data-emotion="css 1psmyvb">.css-1psmyvb{margin-bottom:1.667vw;text-align:center;font-family:Graphik Web,sans-serif;font-size:4.267vw;font-weight:400;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));}@media (max-width: 639px){.css-1psmyvb{margin-bottom:6.400vw;font-size:4.267vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-1psmyvb{margin-bottom:3.125vw;font-size:2.083vw;}}@media (min-width: 1920px){.css-1psmyvb{margin-bottom:24px;font-size:20px;}}</style><span role="subtitle" class="css-1psmyvb e16e0dun1">Customized food and beverage business insurance to protect your customers, kitchen and employees.</span><style data-emotion="css 96r2lg">.css-96r2lg{margin-bottom:1.944vw;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-align-items:stretch;-webkit-box-align:stretch;-ms-flex-align:stretch;align-items:stretch;justify-items:center;-webkit-column-gap:5vw;column-gap:5vw;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));}@media (max-width: 639px){.css-96r2lg{margin-bottom:0.8vw;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-column-gap:0;column-gap:0;}}@media (min-width: 640px) and (max-width: 1023px){.css-96r2lg{margin-bottom:1.2vw;-webkit-column-gap:3.125vw;column-gap:3.125vw;}}@media (min-width: 1920px){.css-96r2lg{margin-bottom:88px;gap-x:24px;}}</style><div class="css-96r2lg e16e0dun0"><style data-emotion="css 8znd2d">.css-8znd2d{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:33%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;}@media (max-width: 639px){.css-8znd2d{margin-bottom:25px;height:auto;width:80vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-8znd2d{height:auto;width:100%;}}</style><div role="step" class="css-8znd2d e1eatrrb2"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/fast-red-yellow.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/fast-red-yellow.png" role="step-image" alt="Business insurance in less than 10 minutes" loading="lazy" fetchpriority="auto"/></picture><style data-emotion="css 1ic5swl">.css-1ic5swl{margin-top:0px;width:80%;text-align:center;font-family:Graphik Web,sans-serif;font-size:4.267vw;font-weight:700;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-1ic5swl{font-size:2.083vw;}}@media (min-width: 1024px){.css-1ic5swl{font-size:1.389vw;}}@media (max-width: 639px){.css-1ic5swl{margin-top:1vw;width:100%;}}@media (min-width: 640px) and (max-width: 1023px){.css-1ic5swl{width:100%;}}@media (min-width: 1920px){.css-1ic5swl{font-size:20px;}}</style><p role="step-text" class="css-1ic5swl e1eatrrb1">Get covered in 10 minutes and you can save up to 25% in discounts</p></div><div role="step" class="css-8znd2d e1eatrrb2"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/montlhy-payments-yellow-orange.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/montlhy-payments-yellow-orange.png" role="step-image" alt="Easy monthly payments" loading="lazy" fetchpriority="auto"/></picture><p role="step-text" class="css-1ic5swl e1eatrrb1">Coverage that grows with you and easy monthly payments</p></div><div role="step" class="css-8znd2d e1eatrrb2"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/all-on-your-mobile-red-yellow-1.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/all-on-your-mobile-red-yellow-1.png" role="step-image" alt="Get business insurance online" loading="lazy" fetchpriority="auto"/></picture><p role="step-text" class="css-1ic5swl e1eatrrb1">Do it all 100% online or talk to a licensed U.S.-based advisor</p></div></div><div class="tablet:mt-8 tablet:mb-6 mobile:mt-6 mobile:mb-8"><div><a target="_self" href="https://track.nextinsurance.com/links?serial=90001"><button class="group css-17uiwer eb5jaud17"><span>Get Instant Quote</span></button></a></div></div></span></div></div><div ni-selector="10-lobs_coverage" style="content-visibility:auto;contain-intrinsic-size:300px" id="lobs-coverage"><style data-emotion="css 151m6yd">.css-151m6yd{--tw-bg-opacity:1;background-color:rgb(229 254 255 / var(--tw-bg-opacity));}</style><section class="css-151m6yd e1rejo8512"><style data-emotion="css okj8z9">.css-okj8z9{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-pack:start;-ms-flex-pack:start;-webkit-justify-content:flex-start;justify-content:flex-start;padding-left:13.5416vw;padding-right:13.5416vw;padding-top:5.555555555555555vw;padding-bottom:5.555555555555555vw;}@media (max-width: 639px){.css-okj8z9{padding:4.266666666666667vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-okj8z9{padding:7.8125vw;}}@media (min-width: 1920px){.css-okj8z9{margin-left:auto;margin-right:auto;width:1700px;justify-items:center;padding-left:0.5rem;padding-right:0.5rem;}}</style><section class="css-okj8z9 e1rejo8511"><style data-emotion="css s91ud8">.css-s91ud8{max-width:50.5555vw;}@media (max-width: 639px){.css-s91ud8{max-width:100%;}}@media (min-width: 640px) and (max-width: 1023px){.css-s91ud8{max-width:73.1770833vw;}}@media (min-width: 1920px){.css-s91ud8{margin-bottom:2rem;width:739px;}}</style><div class="css-s91ud8 e1rejo8510"><h2 type="h2-titles-alpina-reg" class="css-83gwoi e3r5m8y3">Other important business insurance coverage for restaurant owners</h2><style data-emotion="css y6dr9f">.css-y6dr9f{font-family:Graphik Web,sans-serif;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;margin-bottom:30px;margin-top:30px;font-size:4.267vw;}@media (min-width: 640px){.css-y6dr9f{font-size:2.083vw;}}@media (min-width: 1024px){.css-y6dr9f{font-size:1.389vw;}}@media (min-width: 1920px){.css-y6dr9f{font-size:20px;}}</style><div class="css-y6dr9f e1rejo859">Liability insurance is a good start to making sure you’re covered but you can also customize your business insurance to protect your business property, your employees and your vehicles.  <style data-emotion="css 117p7y5">.css-117p7y5{margin-top:30px;font-weight:700;}</style><div class="css-117p7y5 e1rejo858">We typically recommend:</div></div></div><div class="css-0 e1rejo857"><style data-emotion="css 8qhn85">.css-8qhn85{margin-bottom:4.444vw;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-column-gap:0;column-gap:0;}@media (min-width: 640px){.css-8qhn85{-webkit-align-items:flex-start;-webkit-box-align:flex-start;-ms-flex-align:flex-start;align-items:flex-start;-webkit-column-gap:5.208vw;column-gap:5.208vw;}}@media (min-width: 1024px){.css-8qhn85{-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-column-gap:3.333vw;column-gap:3.333vw;}}@media (max-width: 639px){.css-8qhn85{margin-bottom:12.800vw;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}}@media (min-width: 640px) and (max-width: 1023px){.css-8qhn85{margin-bottom:6.250vw;}}@media (min-width: 1920px){.css-8qhn85{margin-bottom:64px;-webkit-column-gap:48px;column-gap:48px;}}</style><div role="lob-item" class="css-8qhn85 e1rejo856"><style data-emotion="css ltx5iy">.css-ltx5iy{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;}@media (max-width: 639px){.css-ltx5iy{-webkit-align-items:flex-end;-webkit-box-align:flex-end;-ms-flex-align:flex-end;align-items:flex-end;-webkit-box-pack:start;-ms-flex-pack:start;-webkit-justify-content:flex-start;justify-content:flex-start;}}@media (min-width: 640px) and (max-width: 1023px){.css-ltx5iy{-webkit-align-items:flex-start;-webkit-box-align:flex-start;-ms-flex-align:flex-start;align-items:flex-start;}}</style><div class="css-ltx5iy e1rejo855"><style data-emotion="css 1eaigr6">.css-1eaigr6{height:25.833vw;width:25.833vw;}@media (max-width: 639px){.css-1eaigr6{margin-bottom:2.5rem;height:67.4666666vw;width:67.4666666vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-1eaigr6{height:34.635416vw;width:34.635416vw;}}@media (min-width: 1920px){.css-1eaigr6{height:350px;width:350px;}}</style><div class="css-1eaigr6 e1rejo854"><picture><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-workers-comp-black-white-2-768x768.png.webp" type="image/webp"/><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-workers-comp-black-white-2-768x768.png"/><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-workers-comp-black-white-2.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-workers-comp-black-white-2.png" alt="Workers' Compensation Insurance" loading="lazy" fetchpriority="auto"/></picture></div></div><style data-emotion="css x7s9c3">.css-x7s9c3{width:60%;}@media (max-width: 639px){.css-x7s9c3{width:100%;}}@media (min-width: 1920px){.css-x7s9c3{width:60%;}}</style><div class="css-x7s9c3 e1rejo853"><style data-emotion="css en9bnl">.css-en9bnl{font-family:GT Alpina,sans-serif;line-height:115%;letter-spacing:-0.03em;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;margin-bottom:30px;font-size:7.467vw;}@media (min-width: 640px){.css-en9bnl{font-size:3.646vw;}}@media (min-width: 1024px){.css-en9bnl{font-size:2.778vw;}}@media (min-width: 1920px){.css-en9bnl{font-size:40px;}}</style><div class="css-en9bnl e1rejo852">Workers’ Compensation for restaurants</div><style data-emotion="css 7nyx15">.css-7nyx15{font-family:Graphik Web,sans-serif;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;font-size:4.267vw;}@media (min-width: 640px){.css-7nyx15{font-size:2.083vw;}}@media (min-width: 1024px){.css-7nyx15{font-size:1.389vw;}}@media (min-width: 1920px){.css-7nyx15{font-size:20px;}}</style><div class="css-7nyx15 e1rejo851"><div class="css-1vhugkq eta8xj40"><p>Workplace injuries happen more frequently than you might think, especially when you’re working in the fast-paced food service industry.</p> <p>Workers’ comp can help pay for medical bills after a workplace injury or illness. It can also help to cover lost wages while the employee is recovering.</p> <p>You can also add owner’s coverage to your policy to protect yourself.</p> <p>This coverage is required for businesses with employees in every state except Texas.</p> </div><style data-emotion="css abkzhi">.css-abkzhi{--tw-text-opacity:1;color:rgb(48 123 246 / var(--tw-text-opacity));}@media (min-width: 1920px){.css-abkzhi{font-size:20px;}}</style><a href="/workers-compensation-insurance/" class="block mt-4 css-abkzhi e1rejo850">Learn more about workers’ comp.</a></div></div></div><div role="lob-item" class="css-8qhn85 e1rejo856"><div class="css-ltx5iy e1rejo855"><div class="css-1eaigr6 e1rejo854"><picture><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2-768x768.png.webp" type="image/webp"/><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2-768x768.png"/><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2.png" alt="Commercial Auto Insurance" loading="lazy" fetchpriority="auto"/></picture></div></div><div class="css-x7s9c3 e1rejo853"><div class="css-en9bnl e1rejo852">Commercial Auto insurance for restaurants</div><div class="css-7nyx15 e1rejo851"><div class="css-1vhugkq eta8xj40"><p>You’ll need commercial auto insurance in most states if you have vehicles that are titled to your business. It can also protect your personal vehicle if you use it for business purposes, such as deliveries and transporting catering equipment.</p> <p>Commercial auto coverage can help pay for expenses after an accident and repair costs if your work vehicle is damaged.</p> </div><a href="/commercial-auto-insurance/" class="block mt-4 css-abkzhi e1rejo850">Learn more about commercial auto.</a></div></div></div><div role="lob-item" class="css-8qhn85 e1rejo856"><div class="css-ltx5iy e1rejo855"><div class="css-1eaigr6 e1rejo854"><picture><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2-768x768.png.webp" type="image/webp"/><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2-768x768.png"/><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2.png" alt="Commercial Property Insurance" loading="lazy" fetchpriority="auto"/></picture></div></div><div class="css-x7s9c3 e1rejo853"><div class="css-en9bnl e1rejo852">Commercial Property insurance for restaurants</div><div class="css-7nyx15 e1rejo851"><div class="css-1vhugkq eta8xj40"><p>Restaurant owners can buy property insurance to help protect business equipment, inventory, furniture and the commercial structures they own.</p> <p>Property insurance can help cover costs if your business property is damaged due to a covered event, such as a burst water pipe or fire.</p> <p>It can also help to replace inventory, such as spoiled food after a power outage.</p> </div><a href="/commercial-property-insurance/" class="block mt-4 css-abkzhi e1rejo850">Learn more about commercial property insurance.</a></div></div></div><div role="lob-item" class="css-8qhn85 e1rejo856"><div class="css-ltx5iy e1rejo855"><div class="css-1eaigr6 e1rejo854"><picture><source srcSet="/img/lobs-coverage/lob-employment-practices-liability.png.webp" type="image/webp"/><img src="/img/lobs-coverage/lob-employment-practices-liability.png" alt="Employment Practices Liability" loading="lazy" fetchpriority="auto"/></picture></div></div><div class="css-x7s9c3 e1rejo853"><div class="css-en9bnl e1rejo852">Employment Practices Liability (EPLI) for restaurants</div><div class="css-7nyx15 e1rejo851"><div class="css-1vhugkq eta8xj40"><p>Employment practices liability insurance (EPLI) can help pay for legal fees if you or someone at your business is accused of Americans with Disabilities Act (ADA) violations, sexual harassment, discrimination or wrongful termination. EPLI is included in the Pro or Pro Plus version of general liability insurance for restaurants.</p> </div><a href="/employment-practices-liability-insurance/" class="block mt-4 css-abkzhi e1rejo850">Learn more about EPLI.</a></div></div></div></div></section></section></div><div ni-selector="11-automatic_reviews_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="automatic-reviews"><style data-emotion="css i4xpba">.css-i4xpba{margin-top:5.5vw;margin-bottom:5.5vw;}</style><div data-cy="automatic-reviews-module" class="css-i4xpba e17evadf7"><style data-emotion="css 15zvzb8">.css-15zvzb8{margin-left:auto;margin-right:auto;margin-bottom:6.4vw;width:87vw;text-align:center;}@media (min-width: 640px){.css-15zvzb8{margin-bottom:2.6vw;width:57vw;}}@media (min-width: 1024px){.css-15zvzb8{margin-bottom:4vw;width:63.7vw;}}@media (min-width: 1920px){.css-15zvzb8{margin-bottom:32px;}}</style><div data-cy="automatic-reviews-title" class="css-15zvzb8 e17evadf3"><h2 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1920px){.css-2hq9x9{height:587px;width:380px;padding:24px;}}</style><div role="review-0" data-cy="review-card" data-cy-eyes="ignore" class="css-2hq9x9 epeutwc6"><style data-emotion="css 25dc9j">@media (max-width: 639px){.css-25dc9j{width:100%;}}</style><div class="css-25dc9j epeutwc2"><svg width="50" height="26" viewBox="0 0 35 26" fill="none" xmlns="http://www.w3.org/2000/svg" class="mobile:mx-auto css-0 e15588ht1"><path d="M15.1904 0.252808C5.47301 0.252808 0 6.21289 0 15.0968C0 21.7316 3.01574 25.6675 8.26536 25.6675C12.1747 25.6675 14.967 22.9686 14.967 19.2576C14.967 15.5466 12.5097 13.1851 9.15892 13.1851C7.5952 13.1851 6.25487 13.5224 4.91454 14.1972C4.69115 8.46198 8.26537 4.07626 15.1904 4.07626V0.252808ZM34.1784 0.252808C24.461 0.252808 18.988 6.21289 18.988 15.0968C18.988 21.7316 22.0037 25.6675 27.2534 25.6675C31.1627 25.6675 33.955 22.9686 33.955 19.2576C33.955 15.5466 31.4977 13.1851 28.1469 13.1851C26.5832 13.1851 25.2429 13.5224 23.9025 14.1972C23.6792 8.46198 27.2534 4.07626 34.1784 4.07626V0.252808Z" fill="#FF4100" class="css-0 e15588ht0"></path></svg><style data-emotion="css n4hn2i">.css-n4hn2i{margin-bottom:5.3vw;margin-top:2vw;font-size:4.267vw;font-weight:600;letter-spacing:0;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-n4hn2i{margin-bottom:.8vw;font-size:2.083vw;}}@media (min-width: 1024px){.css-n4hn2i{font-size:1.389vw;}}@media (min-width: 1920px){.css-n4hn2i{margin-bottom:12px;margin-top:24px;font-size:20px;}}</style><p role="review-0-title" class="css-n4hn2i epeutwc5">Great service and help full</p><div class="css-0 epeutwc0"><style data-emotion="css 10x4rw1">.css-10x4rw1{width:100%;overflow:hidden;padding-bottom:1.25rem;font-size:4.267vw;line-height:140%;letter-spacing:0;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-10x4rw1{font-size:2.083vw;}}@media (min-width: 1024px){.css-10x4rw1{font-size:1.389vw;}}@media (min-width: 1920px){.css-10x4rw1{font-size:20px;}}</style><p role="review-0-content" class="css-10x4rw1 epeutwc4">Great service and help full for business</p></div></div><div class="css-0 epeutwc1"><style data-emotion="css kz0a78">.css-kz0a78{margin-bottom:2.8vw;font-size:4.267vw;text-transform:capitalize;letter-spacing:0;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-kz0a78{margin-bottom:.5vw;font-size:2.083vw;}}@media (min-width: 1024px){.css-kz0a78{font-size:1.389vw;}}@media (min-width: 1920px){.css-kz0a78{font-size:20px;}}</style><p role="review-0-reviewer-name" class="css-kz0a78 epeutwc3">Wittavakorn M.</p><div data-testid="reviewStars" class="inline-block content-center"><svg width="26" height="23" viewBox="0 0 26 23" fill="none" class="inline-flex" xmlns="http://www.w3.org/2000/svg" data-testid="star"><defs><linearGradient id="grad-wholegold" x1="0%" y1="0%" x2="100%" y2="0%"><stop offset="0%" stop-color="#ed9100" 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data-testid="star"><defs><linearGradient id="grad-wholegold" x1="0%" y1="0%" x2="100%" y2="0%"><stop offset="0%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="100%" stop-color="#ed9100" stop-opacity="1"></stop></linearGradient></defs><path stroke="#ed9100" stroke-width="1.09809" stroke-miterlimit="10" style="fill:url(#grad-wholegold)" d="M16.1541 10.0253H24.5275L17.76 14.9815L20.3217 23.0354L13.5542 18.0792L6.78669 23.0354L9.38664 14.9815L2.61914 10.0253H10.9925L13.5542 1.97144L16.1541 10.0253Z"></path></svg></div></div></div><style data-emotion="css 1tjvu4t">.css-1tjvu4t{margin-left:2.8vw;margin-right:2.8vw;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:118.1vw;width:85.1vw;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-pack:justify;-webkit-justify-content:space-between;justify-content:space-between;border-radius:3.2vw;border-width:2px;padding:3vw;padding-bottom:8vw;padding-top:10vw;border-color:#009E73;}@media (min-width: 640px){.css-1tjvu4t{margin-left:1.3vw;margin-right:1.3vw;height:60.8vw;width:40.9vw;border-radius:1.37vw;padding:2.7vw;padding-bottom:6.6vw;}}@media (min-width: 1024px){.css-1tjvu4t{margin-left:.7vw;margin-right:.7vw;height:34.25vw;width:22.2vw;border-radius:0.73vw;padding:1.46vw;}}@media (max-width: 639px){.css-1tjvu4t{-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;text-align:center;}}@media (min-width: 640px) and (max-width: 1023px){.css-1tjvu4t{border-width:1px;}}@media (min-width: 1920px){.css-1tjvu4t{height:587px;width:380px;padding:24px;}}</style><div role="review-1" data-cy="review-card" data-cy-eyes="ignore" class="css-1tjvu4t epeutwc6"><div class="css-25dc9j epeutwc2"><svg width="50" height="26" viewBox="0 0 35 26" fill="none" xmlns="http://www.w3.org/2000/svg" class="mobile:mx-auto css-0 e15588ht1"><path d="M15.1904 0.252808C5.47301 0.252808 0 6.21289 0 15.0968C0 21.7316 3.01574 25.6675 8.26536 25.6675C12.1747 25.6675 14.967 22.9686 14.967 19.2576C14.967 15.5466 12.5097 13.1851 9.15892 13.1851C7.5952 13.1851 6.25487 13.5224 4.91454 14.1972C4.69115 8.46198 8.26537 4.07626 15.1904 4.07626V0.252808ZM34.1784 0.252808C24.461 0.252808 18.988 6.21289 18.988 15.0968C18.988 21.7316 22.0037 25.6675 27.2534 25.6675C31.1627 25.6675 33.955 22.9686 33.955 19.2576C33.955 15.5466 31.4977 13.1851 28.1469 13.1851C26.5832 13.1851 25.2429 13.5224 23.9025 14.1972C23.6792 8.46198 27.2534 4.07626 34.1784 4.07626V0.252808Z" fill="#009E73" class="css-0 e15588ht0"></path></svg><p role="review-1-title" class="css-n4hn2i epeutwc5">Excellent price and customer service</p><div class="css-0 epeutwc0"><p role="review-1-content" class="css-10x4rw1 epeutwc4">I tried many other companies with no luck. All they wanted to do was upsell me on all of their other insurance. Next insurance was professional and listened to my business needs. T<style data-emotion="css e0dnmk">.css-e0dnmk{cursor:pointer;}</style><span class="css-e0dnmk e17evadf5">...</span></p></div></div><div class="css-0 epeutwc1"><p role="review-1-reviewer-name" class="css-kz0a78 epeutwc3">David M.</p><div data-testid="reviewStars" class="inline-block content-center"><svg width="26" height="23" viewBox="0 0 26 23" fill="none" class="inline-flex" xmlns="http://www.w3.org/2000/svg" data-testid="star"><defs><linearGradient id="grad-wholegold" x1="0%" y1="0%" x2="100%" y2="0%"><stop offset="0%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="100%" stop-color="#ed9100" 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4.07626 34.1784 4.07626V0.252808Z" fill="#00d7ff" class="css-0 e15588ht0"></path></svg><p role="review-3-title" class="css-n4hn2i epeutwc5">Very good 👍</p><div class="css-0 epeutwc0"><p role="review-3-content" class="css-10x4rw1 epeutwc4">Very good 👍</p></div></div><div class="css-0 epeutwc1"><p role="review-3-reviewer-name" class="css-kz0a78 epeutwc3">Ekrem P.</p><div data-testid="reviewStars" class="inline-block content-center"><svg width="26" height="23" viewBox="0 0 26 23" fill="none" class="inline-flex" xmlns="http://www.w3.org/2000/svg" data-testid="star"><defs><linearGradient id="grad-wholegold" x1="0%" y1="0%" x2="100%" y2="0%"><stop offset="0%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" 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role="review-4-title" class="css-n4hn2i epeutwc5">Owner</p><div class="css-0 epeutwc0"><p role="review-4-content" class="css-10x4rw1 epeutwc4">Great customer service</p></div></div><div class="css-0 epeutwc1"><p role="review-4-reviewer-name" class="css-kz0a78 epeutwc3">Allison g.</p><div data-testid="reviewStars" class="inline-block content-center"><svg width="26" height="23" viewBox="0 0 26 23" fill="none" class="inline-flex" xmlns="http://www.w3.org/2000/svg" data-testid="star"><defs><linearGradient id="grad-wholegold" x1="0%" y1="0%" x2="100%" y2="0%"><stop offset="0%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" 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stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="100%" stop-color="#ed9100" stop-opacity="1"></stop></linearGradient></defs><path stroke="#ed9100" stroke-width="1.09809" stroke-miterlimit="10" style="fill:url(#grad-wholegold)" d="M16.1541 10.0253H24.5275L17.76 14.9815L20.3217 23.0354L13.5542 18.0792L6.78669 23.0354L9.38664 14.9815L2.61914 10.0253H10.9925L13.5542 1.97144L16.1541 10.0253Z"></path></svg></div></div></div><div role="review-5" data-cy="review-card" data-cy-eyes="ignore" class="css-2hq9x9 epeutwc6"><div class="css-25dc9j epeutwc2"><svg width="50" height="26" viewBox="0 0 35 26" fill="none" xmlns="http://www.w3.org/2000/svg" class="mobile:mx-auto css-0 e15588ht1"><path d="M15.1904 0.252808C5.47301 0.252808 0 6.21289 0 15.0968C0 21.7316 3.01574 25.6675 8.26536 25.6675C12.1747 25.6675 14.967 22.9686 14.967 19.2576C14.967 15.5466 12.5097 13.1851 9.15892 13.1851C7.5952 13.1851 6.25487 13.5224 4.91454 14.1972C4.69115 8.46198 8.26537 4.07626 15.1904 4.07626V0.252808ZM34.1784 0.252808C24.461 0.252808 18.988 6.21289 18.988 15.0968C18.988 21.7316 22.0037 25.6675 27.2534 25.6675C31.1627 25.6675 33.955 22.9686 33.955 19.2576C33.955 15.5466 31.4977 13.1851 28.1469 13.1851C26.5832 13.1851 25.2429 13.5224 23.9025 14.1972C23.6792 8.46198 27.2534 4.07626 34.1784 4.07626V0.252808Z" fill="#FF4100" class="css-0 e15588ht0"></path></svg><p role="review-5-title" class="css-n4hn2i epeutwc5">Great affordable Insurance</p><div class="css-0 epeutwc0"><p role="review-5-content" class="css-10x4rw1 epeutwc4">Satisfying lease term with affordable liability insurance / Great .</p></div></div><div class="css-0 epeutwc1"><p role="review-5-reviewer-name" class="css-kz0a78 epeutwc3">Sam K.</p><div data-testid="reviewStars" class="inline-block content-center"><svg width="26" height="23" viewBox="0 0 26 23" fill="none" class="inline-flex" 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fill="#009E73" class="css-0 e15588ht0"></path></svg><p role="review-6-title" class="css-n4hn2i epeutwc5">Thank you for making it</p><div class="css-0 epeutwc0"><p role="review-6-content" class="css-10x4rw1 epeutwc4">Thank you for making it so easy</p></div></div><div class="css-0 epeutwc1"><p role="review-6-reviewer-name" class="css-kz0a78 epeutwc3">angelo r.</p><div data-testid="reviewStars" class="inline-block content-center"><svg width="26" height="23" viewBox="0 0 26 23" fill="none" class="inline-flex" xmlns="http://www.w3.org/2000/svg" data-testid="star"><defs><linearGradient id="grad-wholegold" x1="0%" y1="0%" x2="100%" y2="0%"><stop offset="0%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" 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14.967 19.2576C14.967 15.5466 12.5097 13.1851 9.15892 13.1851C7.5952 13.1851 6.25487 13.5224 4.91454 14.1972C4.69115 8.46198 8.26537 4.07626 15.1904 4.07626V0.252808ZM34.1784 0.252808C24.461 0.252808 18.988 6.21289 18.988 15.0968C18.988 21.7316 22.0037 25.6675 27.2534 25.6675C31.1627 25.6675 33.955 22.9686 33.955 19.2576C33.955 15.5466 31.4977 13.1851 28.1469 13.1851C26.5832 13.1851 25.2429 13.5224 23.9025 14.1972C23.6792 8.46198 27.2534 4.07626 34.1784 4.07626V0.252808Z" fill="#AC00E7" class="css-0 e15588ht0"></path></svg><p role="review-7-title" class="css-n4hn2i epeutwc5">Friendly staff egar to help</p><div class="css-0 epeutwc0"><p role="review-7-content" class="css-10x4rw1 epeutwc4">Friendly staff egar to help</p></div></div><div class="css-0 epeutwc1"><p role="review-7-reviewer-name" class="css-kz0a78 epeutwc3">Lorraine R.</p><div data-testid="reviewStars" class="inline-block content-center"><svg width="26" height="23" viewBox="0 0 26 23" fill="none" class="inline-flex" 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fill="#00d7ff" class="css-0 e15588ht0"></path></svg><p role="review-8-title" class="css-n4hn2i epeutwc5">Insurance Certificate Request</p><div class="css-0 epeutwc0"><p role="review-8-content" class="css-10x4rw1 epeutwc4">The help in getting coverage and a certificate of insurance was better than any other company that I have been to in previous years. No middle man with the insurance, direct contac<span class="css-e0dnmk e17evadf5">...</span></p></div></div><div class="css-0 epeutwc1"><p role="review-8-reviewer-name" class="css-kz0a78 epeutwc3">Alicia W.</p><div data-testid="reviewStars" class="inline-block content-center"><svg width="26" height="23" viewBox="0 0 26 23" fill="none" class="inline-flex" xmlns="http://www.w3.org/2000/svg" data-testid="star"><defs><linearGradient id="grad-wholegold" x1="0%" y1="0%" x2="100%" y2="0%"><stop offset="0%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="100%" stop-color="#ed9100" 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8.26537 4.07626 15.1904 4.07626V0.252808ZM34.1784 0.252808C24.461 0.252808 18.988 6.21289 18.988 15.0968C18.988 21.7316 22.0037 25.6675 27.2534 25.6675C31.1627 25.6675 33.955 22.9686 33.955 19.2576C33.955 15.5466 31.4977 13.1851 28.1469 13.1851C26.5832 13.1851 25.2429 13.5224 23.9025 14.1972C23.6792 8.46198 27.2534 4.07626 34.1784 4.07626V0.252808Z" fill="#FF32A0" class="css-0 e15588ht0"></path></svg><p role="review-9-title" class="css-n4hn2i epeutwc5">So Simple</p><div class="css-0 epeutwc0"><p role="review-9-content" class="css-10x4rw1 epeutwc4">Seems like a great company. Very easy to sign up for insurance. Very affordable.</p></div></div><div class="css-0 epeutwc1"><p role="review-9-reviewer-name" class="css-kz0a78 epeutwc3">Beth H.</p><div data-testid="reviewStars" class="inline-block content-center"><svg width="26" height="23" viewBox="0 0 26 23" fill="none" class="inline-flex" xmlns="http://www.w3.org/2000/svg" data-testid="star"><defs><linearGradient id="grad-wholegold" x1="0%" y1="0%" x2="100%" y2="0%"><stop offset="0%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="25%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="50%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="75%" stop-color="#ed9100" stop-opacity="1"></stop><stop offset="100%" stop-color="#ed9100" stop-opacity="1"></stop></linearGradient></defs><path stroke="#ed9100" stroke-width="1.09809" 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role="t-0">How does business insurance protect restaurants?</h2><style data-emotion="css 40h1vz">.css-40h1vz{height:3vw;width:3vw;--tw-rotate:45deg;-webkit-transform:translate(var(--tw-translate-x), var(--tw-translate-y)) rotate(var(--tw-rotate)) skewX(var(--tw-skew-x)) skewY(var(--tw-skew-y)) scaleX(var(--tw-scale-x)) scaleY(var(--tw-scale-y));-moz-transform:translate(var(--tw-translate-x), var(--tw-translate-y)) rotate(var(--tw-rotate)) skewX(var(--tw-skew-x)) skewY(var(--tw-skew-y)) scaleX(var(--tw-scale-x)) scaleY(var(--tw-scale-y));-ms-transform:translate(var(--tw-translate-x), var(--tw-translate-y)) rotate(var(--tw-rotate)) skewX(var(--tw-skew-x)) skewY(var(--tw-skew-y)) scaleX(var(--tw-scale-x)) scaleY(var(--tw-scale-y));transform:translate(var(--tw-translate-x), var(--tw-translate-y)) rotate(var(--tw-rotate)) skewX(var(--tw-skew-x)) skewY(var(--tw-skew-y)) scaleX(var(--tw-scale-x)) scaleY(var(--tw-scale-y));-webkit-align-self:center;-ms-flex-item-align:center;align-self:center;border-width:1px;border-left-width:0px;border-top-width:0px;--tw-border-opacity:1;border-color:rgb(35 31 32 / var(--tw-border-opacity));transition-duration:300ms;--tw-content:'';content:var(--tw-content);}@media (min-width: 640px){.css-40h1vz{height:2vw;width:2vw;}}@media (min-width: 1024px){.css-40h1vz{height:1.389vw;width:1.389vw;}}</style><button aria-expanded="false" aria-label="How does business insurance protect restaurants?" class="css-40h1vz e1e1z7qj0"></button></div><style data-emotion="css 8ihxmv">.css-8ihxmv{max-height:0px;overflow:hidden;font-family:Graphik Web,sans-serif;font-size:4.267vw;font-weight:400;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;transition-property:max-height,margin-top;transition-timing-function:cubic-bezier(0, 0, 0.2, 1);transition-duration:500ms;}@media (min-width: 640px){.css-8ihxmv{font-size:2.083vw;}}@media (min-width: 1024px){.css-8ihxmv{font-size:1.389vw;}}@media (min-width: 1920px){.css-8ihxmv{font-size:20px;}}</style><div role="c-0" data-cy="questionContent-0" class="css-8ihxmv e1n7sr560"><div class="css-1vhugkq eta8xj40">Our restaurant insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to: <h3>Damage to someone’s property</h3> A server spills soup on a client’s designer purse and cell phone. The general liability coverage in your insurance package could help pay for replacements.** <h3>Accidents that hurt someone</h3> A customer slips and falls in your restaurant’s parking lot. Your restaurant <a href="https://www.nextinsurance.com/general-liability-insurance/">general liability coverage</a> could also come into play here by defending you from legal fees and helping to pay for damages if you are found liable. <h3>Liquor liability insurance</h3> An intoxicated customer accidentally knocks another patron to the ground on the way to the bathroom. The guest breaks her wrist in the fall and sues your business for the medical expenses. Liquor liability insurance can help with legal defense costs or any medical bills for which you may be held responsible. <h3>Professional mistakes</h3> Your staff incorrectly answers a customer’s question about ingredients and they wind up in the hospital with an allergic reaction. Our general liability policy includes <a href="https://www.nextinsurance.com/professional-liability-insurance/">professional liability insurance</a>, which helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. <h3>Workplace injuries</h3> One of your cooks gets burned by hot oil in the kitchen and needs medical attention. <a href="https://www.nextinsurance.com/workers-compensation-insurance/">Workers’ compensation coverage</a> with business owner’s coverage can help cover medical bills and lost wages while they recover. Workers’ comp is usually required by law if you have employees. <h3>Injuries and damage involving your business vehicles</h3> Your employee accidentally reverses the restaurant’s van into a parked car. <a href="https://www.nextinsurance.com/commercial-auto-insurance/">Commercial auto coverage</a> can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles. <h3>Damage to your own property</h3> A grease fire breaks out and damages most of your facility’s kitchen. <a href="https://www.nextinsurance.com/commercial-property-insurance/">Commercial property insurance</a> can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.</div></div></div><div role="question-1" data-cy="FAQQuestion-1" class="css-tj8q2e e1n7sr561"><div class="css-fuh4mq e1n7sr563"><h2 type="h2-titles-alpina-sm" class="w-11/12 css-1vmveuw e3r5m8y3" role="t-1">How does business insurance protect food carts?</h2><button aria-expanded="false" aria-label="How does business insurance protect food carts?" class="css-40h1vz e1e1z7qj0"></button></div><div role="c-1" data-cy="questionContent-1" class="css-8ihxmv e1n7sr560"><div class="css-1vhugkq eta8xj40">Our affordable food cart insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to: <h3>Damage to someone’s property</h3> You miscalculated the height of an awning and ripped it down with your food truck. The general liability coverage in your insurance package could help pay for a replacement.** <h3>Accidents that hurt someone</h3> Your cart’s wheel goes over a customer’s foot and fractures a toe. Your food cart <a href="https://www.nextinsurance.com/general-liability-insurance/">general liability coverage</a> could also come into play here by helping to pay for medical costs and legal fees. <h3>Workplace injuries</h3> You trip over a large crack in a sidewalk and sprain your ankle. <a href="https://www.nextinsurance.com/workers-compensation-insurance/">Workers’ compensation coverage</a> with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees. <h3>Injuries and damage involving your business vehicles</h3> Your food cart rolls into a parked car and dents the rear bumper. <a href="https://www.nextinsurance.com/commercial-auto-insurance/">Commercial auto coverage</a> can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles. <h3>Damage to your own property</h3> A fire in your storage space leaves your food cart unusable. <a href="https://www.nextinsurance.com/commercial-property-insurance/">Commercial property insurance</a> can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.</div></div></div><div role="question-2" data-cy="FAQQuestion-2" class="css-tj8q2e e1n7sr561"><div class="css-fuh4mq e1n7sr563"><h2 type="h2-titles-alpina-sm" class="w-11/12 css-1vmveuw e3r5m8y3" role="t-2">How does business insurance protect caterers?</h2><button aria-expanded="false" aria-label="How does business insurance protect caterers?" class="css-40h1vz e1e1z7qj0"></button></div><div role="c-2" data-cy="questionContent-2" class="css-8ihxmv e1n7sr560"><div class="css-1vhugkq eta8xj40">Our catering service insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to: <h3>Damage to someone’s property</h3> A busser accidentally damages counter tops at an event space with your hot pans. The <a href="https://www.nextinsurance.com/general-liability-insurance/">general liability</a> coverage in your insurance package could help pay for repairs.** <h3>Accidents that hurt someone</h3> A guest at an event gets a burn from a buffet chafing dish that requires medical attention. Your <a href="https://www.nextinsurance.com/general-liability-insurance/">general liability coverage</a> could also come into play here by helping to pay for medical costs and legal fees. <h3>Workplace injuries</h3> A server trips over a guest’s foot and sprains their ankle. <a href="https://www.nextinsurance.com/workers-compensation-insurance/">Workers’ compensation coverage</a> with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees. <h3>Injuries and damage involving your business vehicles</h3> A driver in front of you stops short to avoid a collision and you rear end them with your catering van. <a href="https://www.nextinsurance.com/commercial-auto-insurance/">Commercial auto coverage</a> will help pay for the repairs and medical bills. This coverage is also usually required by law for business-owned vehicles. <h3>Damage to your own property</h3> A grease fire breaks out and damages most of your facility’s kitchen. <a href="https://www.nextinsurance.com/commercial-property-insurance/">Commercial property insurance</a> can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.</div></div></div><div role="question-3" data-cy="FAQQuestion-3" class="css-tj8q2e e1n7sr561"><div class="css-fuh4mq e1n7sr563"><h2 type="h2-titles-alpina-sm" class="w-11/12 css-1vmveuw e3r5m8y3" role="t-3">What do I need to get an insurance quote online?</h2><button aria-expanded="false" aria-label="What do I need to get an insurance quote online?" class="css-40h1vz e1e1z7qj0"></button></div><div role="c-3" data-cy="questionContent-3" class="css-8ihxmv e1n7sr560"><div class="css-1vhugkq eta8xj40">It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a <a href="https://www.nextinsurance.com/certificate-of-insurance/">certificate of insurance</a> (proof of insurance) on the spot.</div></div></div><div role="question-4" data-cy="FAQQuestion-4" class="css-tj8q2e e1n7sr561"><div class="css-fuh4mq e1n7sr563"><h2 type="h2-titles-alpina-sm" class="w-11/12 css-1vmveuw e3r5m8y3" role="t-4">How do you file an insurance claim with NEXT?</h2><button aria-expanded="false" aria-label="How do you file an insurance claim with NEXT?" class="css-40h1vz e1e1z7qj0"></button></div><div role="c-4" data-cy="questionContent-4" class="css-8ihxmv e1n7sr560"><div class="css-1vhugkq eta8xj40">If you’re a policyholder, simply <a href="https://track.nextinsurance.com/links?serial=65654">log in to your account</a> and <a href="https://www.nextinsurance.com/claim-page/">file a claim</a>. We’ll contact you shortly to go over the details. Our support team is standing by to help.</div></div></div></div></div></div></div><div ni-selector="14-coi_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="coi"><style data-emotion="css 13y681u">.css-13y681u{--smImageSize:max(30vw, 310px);--smImageAboveInnerContainer:calc(0.12 * var(--smImageSize));--smImageBelowInnerContainer:calc(0.15 * var(--smImageSize));--smDistanceFromTopImageToCOIContainer:calc(0.05 * var(--smImageSize));--smDistanceFromBottomImageToCOIContainer:calc(0 * var(--smImageSize));--smInnerContainerHeight:calc(var(--smImageSize) - var(--smImageAboveInnerContainer) - var(--smImageBelowInnerContainer));--smPaddingTop:calc(var(--smImageAboveInnerContainer) + var(--smDistanceFromTopImageToCOIContainer));--smPaddingBottom:calc(var(--smImageBelowInnerContainer) + var(--smDistanceFromBottomImageToCOIContainer));--smTotalHeight:calc(var(--smInnerContainerHeight) + var(--smPaddingTop) + 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data-emotion="css 1oejchm">.css-1oejchm{border-radius:2vw;--tw-bg-opacity:1;background-color:rgb(229 254 255 / var(--tw-bg-opacity));display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;padding-bottom:2.5rem;padding-left:5vw;padding-right:5vw;}@media (min-width: 640px){.css-1oejchm{height:var(--smInnerContainerHeight);-webkit-flex:none;-ms-flex:none;flex:none;padding-bottom:0px;padding-left:0px;padding-right:0px;}}@media (min-width: 768px){.css-1oejchm{height:var(--mdInnerContainerHeight);-webkit-flex:none;-ms-flex:none;flex:none;padding-left:0px;padding-right:0px;}}@media (min-width: 1280px){.css-1oejchm{height:var(--xlInnerContainerHeight);-webkit-flex:none;-ms-flex:none;flex:none;padding-left:0px;padding-right:0px;}}@media (min-width: 1920px){.css-1oejchm{height:var(--3xlInnerContainerHeight);-webkit-flex:none;-ms-flex:none;flex:none;padding-left:0px;padding-right:0px;}}</style><div class="css-1oejchm e1edndzz6"><style data-emotion="css 19495ma">.css-19495ma{position:static;margin-top:-6vh;display:inline-block;height:100%;width:100%;}@media (min-width: 640px){.css-19495ma{position:absolute;left:var(--smImageLeftPosition);top:var(--smImageTopPosition);margin-top:0px;display:block;height:var(--smImageSize);width:var(--smImageSize);}}@media (min-width: 768px){.css-19495ma{position:absolute;left:var(--mdImageLeftPosition);top:var(--mdImageTopPosition);margin-top:0px;display:block;height:var(--mdImageSize);width:var(--mdImageSize);}}@media (min-width: 1280px){.css-19495ma{position:absolute;left:var(--xlImageLeftPosition);top:var(--xlImageTopPosition);margin-top:0px;display:block;height:var(--xlImageSize);width:var(--xlImageSize);}}@media (min-width: 1920px){.css-19495ma{position:absolute;left:var(--3xlImageLeftPosition);top:var(--3xlImageTopPosition);margin-top:0px;display:block;height:var(--3xlImageSize);width:var(--3xlImageSize);}}</style><div class="css-19495ma e1edndzz5"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2023/10/phone3.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2023/10/phone3.png" role="coiImage" alt="Next Insurance, small business insurance" loading="lazy" fetchpriority="auto"/></picture></div><style data-emotion="css r1fjic">.css-r1fjic{padding-bottom:1rem;}@media (min-width: 640px){.css-r1fjic{height:var(--smInnerContainerHeight);padding-bottom:0px;padding-left:var(--smLeftDistanceFromContent);}}@media (min-width: 768px){.css-r1fjic{height:var(--mdInnerContainerHeight);padding-bottom:0px;padding-left:var(--mdLeftDistanceFromContent);}}@media (min-width: 1280px){.css-r1fjic{height:var(--xlInnerContainerHeight);padding-bottom:0px;padding-left:var(--xlLeftDistanceFromContent);}}@media (min-width: 1920px){.css-r1fjic{margin-left:3vw;height:var(--3xlInnerContainerHeight);padding-bottom:0px;padding-left:var(--3xlLeftDistanceFromContent);}}</style><div class="css-r1fjic e1edndzz4"><style data-emotion="css mla2hv">.css-mla2hv{font-family:GT Alpina,sans-serif;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));padding-left:0.5rem;padding-right:0.5rem;text-align:center;font-size:10vw;line-height:11vw;}@media (min-width: 640px){.css-mla2hv{padding-left:0px;padding-right:3vw;padding-top:2vw;text-align:left;font-size:4.5vw;line-height:1;}}@media (min-width: 768px){.css-mla2hv{padding-right:10vw;padding-top:2.5vw;font-size:4.7vw;}}@media (min-width: 1024px){.css-mla2hv{font-size:4.5vw;}}@media (min-width: 1280px){.css-mla2hv{padding-top:3vw;font-size:4.5vw;}}@media (min-width: 1536px){.css-mla2hv{padding-right:15vw;padding-top:3vw;font-size:4.1vw;}}@media (min-width: 1920px){.css-mla2hv{padding-right:70px;padding-top:50px;font-size:80px;}}</style><div role="coiTitle" class="css-mla2hv e1edndzz3">Coverage on-the-go for policyholders</div><style data-emotion="css nu3i23">.css-nu3i23{font-family:Graphik Web,sans-serif;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));margin-top:1.5rem;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;text-align:center;font-size:4vw;line-height:5vw;}@media (min-width: 640px){.css-nu3i23{margin-top:3vw;-webkit-flex:none;-ms-flex:none;flex:none;padding-right:13vw;text-align:left;font-size:1.9vw;line-height:1;}}@media (min-width: 768px){.css-nu3i23{margin-top:2vw;font-size:1.8vw;}}@media (min-width: 1280px){.css-nu3i23{margin-top:2vw;padding-right:15vw;font-size:2vw;}}@media (min-width: 1536px){.css-nu3i23{margin-top:2vw;padding-right:20vw;font-size:1.7vw;}}@media (min-width: 1920px){.css-nu3i23{margin-top:30px;padding-right:90px;font-size:35px;}}</style><div class="css-nu3i23 e1edndzz2"><style data-emotion="css 1mi85kb">.css-1mi85kb{width:75%;}@media (min-width: 640px){.css-1mi85kb{width:100%;}}</style><div role="coiSubtitle" class="css-1mi85kb e1edndzz1">Manage your policies, send and create certificates of insurance, or file a claim with our app.</div></div><style data-emotion="css 5ivtmu">.css-5ivtmu{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;padding-left:0.5rem;padding-right:0.5rem;padding-top:1.25rem;}@media (min-width: 640px){.css-5ivtmu{margin-right:1vw;margin-top:2.5vw;width:35vw;-webkit-box-pack:start;-ms-flex-pack:start;-webkit-justify-content:flex-start;justify-content:flex-start;padding-left:0px;padding-right:0px;padding-top:0px;}}@media (min-width: 768px){.css-5ivtmu{margin-top:2.3vw;width:30vw;}}@media (min-width: 1024px){.css-5ivtmu{margin-top:3vw;}}@media (min-width: 1280px){.css-5ivtmu{margin-top:3vw;width:30vw;}}@media (min-width: 1536px){.css-5ivtmu{margin-top:3vw;width:25vw;}}@media (min-width: 1920px){.css-5ivtmu{margin-top:60px;width:500px;}}</style><div class="css-5ivtmu e1edndzz0"><style data-emotion="css gqfhor">.css-gqfhor{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-column-gap:1rem;column-gap:1rem;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;}@media (min-width: 640px){.css-gqfhor{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-column-gap:1rem;column-gap:1rem;row-gap:0px;}}</style><div class="css-gqfhor efb2vk0"><a data-cy="appleStoreLink" href="https://apps.apple.com/us/app/next-insurance/id1580721755"><picture><img src="https://www.nextinsurance.com/wp-content/uploads/2023/11/AppStore.svg" alt="Download from app store" class="tablet:h-12" loading="lazy" fetchpriority="auto"/></picture></a><a data-cy="googlePlayLink" href="https://play.google.com/store/apps/details?id=com.nextinsurance"><picture><img src="https://www.nextinsurance.com/wp-content/uploads/2023/11/GooglePlay.svg" alt="Download from google play" class="tablet:h-12" loading="lazy" fetchpriority="auto"/></picture></a></div></div></div></div></div></div></div></div></div><div ni-selector="15-related_posts_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="related-posts"><style data-emotion="css 1w61t2e">.css-1w61t2e{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;row-gap:1.667vw;padding-left:5.556vw;padding-right:5.556vw;padding-top:5.556vw;padding-bottom:5.556vw;}@media (max-width: 639px){.css-1w61t2e{row-gap:8vw;padding-left:4.267vw;padding-right:4.267vw;padding-top:8.533vw;padding-bottom:8.533vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-1w61t2e{row-gap:3.125vw;padding-left:7vw;padding-right:7vw;padding-top:7.813vw;padding-bottom:7.813vw;}}</style><div role="relatedPosts" data-cy="RelatedPostsContainer" class="css-1w61t2e ej6fo9r2"><style data-emotion="css 1be63qv">.css-1be63qv{font-family:GT Alpina,sans-serif;letter-spacing:-0.03em;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;font-size:2.375em;line-height:115%;text-align:center;}@media (min-width: 640px){.css-1be63qv{font-size:1.875em;}}@media (min-width: 1024px){.css-1be63qv{font-size:2.778vw;}}@media (min-width: 1920px){.css-1be63qv{font-size:40px;}}</style><div role="relatedPostsModuleTitle" class="css-1be63qv es2lzbs0">Take a look at some helpful blog posts</div><style data-emotion="css outk0k">.css-outk0k{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-flex-wrap:wrap;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;}@media (min-width: 640px){.css-outk0k{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;}}@media (max-width: 639px){.css-outk0k{row-gap:3rem;}}</style><div role="relatedPostsContainer" class="css-outk0k ej6fo9r1"><style data-emotion="css 1ezscm5">.css-1ezscm5{margin-left:auto;margin-right:auto;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;min-width:28vw;max-width:100%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;row-gap:0.75rem;border-radius:0.75rem;padding:1.667vw;--tw-bg-opacity:1;background-color:rgb(255 255 255 / var(--tw-bg-opacity));}@media (min-width: 640px){.css-1ezscm5{width:50%;}}@media (min-width: 1024px){.css-1ezscm5{width:32%;}}@media (max-width: 639px){.css-1ezscm5{padding:4.267vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-1ezscm5{padding:3.125vw;}}@media (min-width: 1920px){.css-1ezscm5{padding:24px;}}.css-1ezscm5:hover{--tw-bg-opacity:1;background-color:rgb(148 250 255 / var(--tw-bg-opacity));}</style><a href="https://www.nextinsurance.com/blog/restaurant-startup-costs" role="relatedPosts" class="css-1ezscm5 e1ebeguv18"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2019/09/Septembers-Blog-Post-5-1-645x360.jpg.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2019/09/Septembers-Blog-Post-5-1-645x360.jpg" alt="Restaurant startup costs explained: Your guide to budget planning" class="w-full h-auto" loading="lazy" fetchpriority="auto"/></picture><style data-emotion="css d88myq">.css-d88myq{font-family:Graphik Web,sans-serif;font-size:0.875em;line-height:16.1px;letter-spacing:-0.025em;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}</style><div class="css-d88myq e1ebeguv8">Start</div><style data-emotion="css 1j6b9uz">.css-1j6b9uz{font-family:Graphik Web,sans-serif;font-size:4.267vw;font-weight:700;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-1j6b9uz{font-size:2.083vw;}}@media (min-width: 1024px){.css-1j6b9uz{font-size:1.389vw;}}@media (min-width: 1920px){.css-1j6b9uz{font-size:20px;}}</style><p class="css-1j6b9uz e1ebeguv13">Restaurant startup costs explained: Your guide to budget planning</p></a><a href="https://www.nextinsurance.com/blog/small-business-spotlight-mimis-mocha-treats" role="relatedPosts" class="css-1ezscm5 e1ebeguv18"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2022/10/mimis-mocha-treats_802x454-645x360.jpg.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2022/10/mimis-mocha-treats_802x454-645x360.jpg" alt="Small business spotlight: Mimi’s Mocha Treats" class="w-full h-auto" loading="lazy" fetchpriority="auto"/></picture><div class="css-d88myq e1ebeguv8">Promote</div><p class="css-1j6b9uz e1ebeguv13">Small business spotlight: Mimi’s Mocha Treats</p></a><a href="https://www.nextinsurance.com/blog/get-catering-business-license" role="relatedPosts" class="css-1ezscm5 e1ebeguv18"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2019/10/october_2019_5-645x360.jpg.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2019/10/october_2019_5-645x360.jpg" alt="How to get a catering license: A six-step guide for caterers" class="w-full h-auto" loading="lazy" fetchpriority="auto"/></picture><div class="css-d88myq e1ebeguv8">Start</div><p class="css-1j6b9uz e1ebeguv13">How to get a catering license: A six-step guide for caterers</p></a></div></div></div><div ni-selector="16-disclaimer_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="disclaimer"><style data-emotion="css adcvg6">.css-adcvg6{margin:auto;-webkit-align-self:auto;-ms-flex-item-align:auto;align-self:auto;overflow-wrap:break-word;padding:30px;}@media (min-width: 1280px){.css-adcvg6{width:1000px;}}</style><div class="css-adcvg6 e10bsrva1"><style data-emotion="css 47tqz9">.css-47tqz9{text-align:center;font-family:Graphik Web,sans-serif;font-size:0.875rem;line-height:1.25rem;--tw-text-opacity:1;color:rgb(0 0 0 / var(--tw-text-opacity));}</style><div role="disclaimer-text" class="css-47tqz9 e10bsrva0">* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. 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inventory\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eWe know there are hundreds of things to keep track of when you run a food service business, so we’ve curated helpful \u003ca href=\"https://www.nextinsurance.com/lps/restaurant-success-center/\"\u003echecklists and tips for restaurant owners\u003c/a\u003e to protect and grow your food business.\u003c/p\u003e\n\u003cp\u003eWe\u0026#8217;ve also designed insurance policies to take some of those worries off your plate.\u003c/p\u003e\n\u003cp\u003eHaving the right types of insurance for your food service business means that you don’t have to pay out of pocket if an accident does occur. You can run your business and keep your customers happy without worrying about those pesky “what if” scenarios.\u003c/p\u003e\n","bgColor":"sky_25","display_cta_button":true,"ctaButton":{"ctaButton":{"title":"Get Instant Quote","url":"https://track.nextinsurance.com/links?serial=90001","buttonBgColor":"Blue","enable_arrow":false,"isScroll":false,"NISelectorScrollTo":""}},"image_content_ratio":"one_to_one","title_size":"normal","ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}},{"acf_fc_layout":"mosaic_module","displayModule":true,"mosaic_image":"https://www.nextinsurance.com/wp-content/uploads/2021/08/youre-covered-blue-pink-1.png","mosaic_image_alt":"Get business insurance coverage","mosaic_image_position":"left","mosaic_title":"How food service liability insurance protects your business","mosaic_subtitle":"\u003cp\u003e\u003ca href=\"/general-liability-insurance/food-services/\"\u003eFood service general liability insurance\u003c/a\u003e offers broad protection that can help cover expenses if a customer gets hurt at your business, if someone claims you caused food poisoning or if someone says your marketing efforts were misleading or slanderous.\u003c/p\u003e\n\u003cp\u003eThat’s why \u003ca href=\"/general-liability-insurance/\"\u003egeneral liability\u003c/a\u003e is usually the first type of insurance food and beverage business owners buy.\u003c/p\u003e\n\u003cp\u003eFor example, if two of your servers collide and spill food and coffee on customers, ruining their laptop, liability can cover a replacement and protect you if the customer files a claim.\u003c/p\u003e\n\u003cp\u003eOr if one of your chefs doesn’t follow protocol for cooking chicken and, as a result, customers get salmonella food poisoning and are hospitalized, your business could be held liable for the medical expenses.\u003c/p\u003e\n","bgColor":"sky_25","display_cta_button":true,"ctaButton":{"ctaButton":{"title":"Get Instant Quote","url":"https://track.nextinsurance.com/links?serial=90001","buttonBgColor":"Blue","enable_arrow":false,"isScroll":false,"NISelectorScrollTo":""}},"image_content_ratio":"one_to_one","title_size":"normal","ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}},{"acf_fc_layout":"mosaic_module","displayModule":true,"mosaic_image":"https://www.nextinsurance.com/wp-content/uploads/2021/06/affordable.png","mosaic_image_alt":"How much does insurance cost","mosaic_image_position":"right","mosaic_title":"How much does food and beverage insurance cost?","mosaic_subtitle":"\u003cp\u003eYou can save up to 25% in discounts when you buy food and beverage business insurance with NEXT. 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It can also protect your personal vehicle if you use it for business purposes, such as deliveries and transporting catering equipment.\u003c/p\u003e\n\u003cp\u003eCommercial auto coverage can help pay for expenses after an accident and repair costs if your work vehicle is damaged.\u003c/p\u003e\n","lob_link":{"lob_link_sentence":"Learn more about commercial auto.","lob_link":"commercial-auto-insurance/"}},"tools_and_equipment":{"lob_image":false,"lob_title":"Tools \u0026 Equipment insurance for construction contractors","lob_content":"\u003cp\u003eTools and equipment insurance can be added to your general liability insurance to help cover the cost of repairing or replacing your gear, whether it’s ladders or jackhammers.\u003c/p\u003e\n","lob_link":{"lob_link_sentence":"Learn more about tools \u0026 equipment.","lob_link":"tools-and-equipment-insurance"}},"commercial_property":{"lob_image":{"ID":110227276,"id":110227276,"title":"lob-property-black-white","filename":"lob-property-black-white-2.png","filesize":110688,"url":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2.png","link":"https://www.nextinsurance.com/commercial-property-insurance/lob-property-black-white-3/","alt":"Commercial Property Insurance","author":"128","description":"","caption":"","name":"lob-property-black-white-3","status":"inherit","uploaded_to":11148608,"date":"2021-08-27 08:19:09","modified":"2022-04-20 22:43:56","menu_order":0,"mime_type":"image/png","type":"image","subtype":"png","icon":"https://www.nextinsurance.com/wp-includes/images/media/default.png","width":1440,"height":1440,"sizes":{"thumbnail":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2-150x150.png","thumbnail-width":150,"thumbnail-height":150,"medium":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2-300x300.png","medium-width":300,"medium-height":300,"medium_large":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2-768x768.png","medium_large-width":768,"medium_large-height":768,"large":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2-1024x1024.png","large-width":1024,"large-height":1024,"1536x1536":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2.png","1536x1536-width":1440,"1536x1536-height":1440,"2048x2048":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2.png","2048x2048-width":1440,"2048x2048-height":1440,"popularposts":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2-380x240.png","popularposts-width":380,"popularposts-height":240,"blogpostemail":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2-300x300.png","blogpostemail-width":300,"blogpostemail-height":300,"blogrollbig":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2-588x380.png","blogrollbig-width":588,"blogrollbig-height":380,"FacebookBig":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2-1200x630.png","FacebookBig-width":1200,"FacebookBig-height":630,"FacebookSmall":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2-484x252.png","FacebookSmall-width":484,"FacebookSmall-height":252,"spotlight":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2-640x455.png","spotlight-width":640,"spotlight-height":455,"archiveBlogroll":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2-645x360.png","archiveBlogroll-width":645,"archiveBlogroll-height":360,"archiveBlogrollMobile":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2-315x176.png","archiveBlogrollMobile-width":315,"archiveBlogrollMobile-height":176,"singleBlogImage":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2-802x454.png","singleBlogImage-width":802,"singleBlogImage-height":454,"blogCategoryHeroDesktop":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2-1440x335.png","blogCategoryHeroDesktop-width":1440,"blogCategoryHeroDesktop-height":335,"blogCategoryHeroTablet":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2-768x134.png","blogCategoryHeroTablet-width":768,"blogCategoryHeroTablet-height":134,"blogCategoryHeroMobile":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-property-black-white-2-360x120.png","blogCategoryHeroMobile-width":360,"blogCategoryHeroMobile-height":120}},"lob_title":"Commercial Property insurance for restaurants","lob_content":"\u003cp\u003eRestaurant owners can buy property insurance to help protect business equipment, inventory, furniture and the commercial structures they own.\u003c/p\u003e\n\u003cp\u003eProperty insurance can help cover costs if your business property is damaged due to a covered event, such as a burst water pipe or fire.\u003c/p\u003e\n\u003cp\u003eIt can also help to replace inventory, such as spoiled food after a power outage.\u003c/p\u003e\n","lob_link":{"lob_link_sentence":"Learn more about commercial property insurance.","lob_link":"commercial-property-insurance/"}},"errors_and_omissions":{"lob_image":false,"lob_title":"Commercial Property insurance for restaurants","lob_content":"","lob_link":{"lob_link_sentence":"Learn more about commercial property insurance.","lob_link":"commercial-property-insurance"}},"business_owners_policy":{"lob_image":false,"lob_title":"Commercial Property insurance for restaurants","lob_content":"\u003cp\u003eRestaurant owners can buy property insurance to help protect business equipment, inventory, furniture and the commercial structures they own. \u003c/p\u003e\n\u003cp\u003eProperty insurance can help cover costs if your business property is damaged due to a covered event, such as a burst water pipe or fire.\u003c/p\u003e\n\u003cp\u003eIt can also help to replace inventory, such as spoiled food after a power outage.\u003c/p\u003e\n","lob_link":{"lob_link_sentence":"Learn more about commercial property insurance.","lob_link":"commercial-property-insurance"}},"hired_non_owned_auto":{"lob_image":false,"lob_title":"","lob_content":"","lob_link":{"lob_link_sentence":"Learn more about Business Owner’s Policy (BOP)","lob_link":"business-owners-policy"}},"liquor_liability":{"lob_image":false,"lob_title":"","lob_content":"","lob_link":{"lob_link_sentence":"Learn more about Business Owner’s Policy (BOP)","lob_link":"business-owners-policy"}},"product_liability":{"lob_image":false,"lob_title":"","lob_content":"","lob_link":{"lob_link_sentence":"Learn more about Business Owner’s Policy (BOP)","lob_link":"business-owners-policy"}},"employment_practices_liability_insurance":{"lob_image":false,"lob_title":"Employment Practices Liability (EPLI) for restaurants","lob_content":"\u003cp\u003eEmployment practices liability insurance (EPLI) can help pay for legal fees if you or someone at your business is accused of Americans with Disabilities Act (ADA) violations, sexual harassment, discrimination or wrongful termination. EPLI is included in the Pro or Pro Plus version of general liability insurance for restaurants.\u003c/p\u003e\n","lob_link":{"lob_link_sentence":"Learn more about EPLI.","lob_link":"employment-practices-liability-insurance/"}},"ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}},{"acf_fc_layout":"automatic_reviews_module","displayModule":true,"title":"What customers say about us","isAutomatic":true,"chooseProductType":"productID","productID":"restaurant","productGroupID":"","chooseButtonType":"false","ctaButton":{"ctaButton":{"title":"","url":"","buttonBgColor":"Transparent","enable_arrow":false,"isScroll":false,"NISelectorScrollTo":""}},"reviews":[{"title":"Great service and help full","content":"Great service and help full for business","reviewerName":"Wittavakorn M.","createdAt":"2023/04/12","score":5},{"title":"Excellent price and customer service","content":"I tried many other companies with no luck. All they wanted to do was upsell me on all of their other insurance. Next insurance was professional and listened to my business needs. Thank you.","reviewerName":"David M.","createdAt":"2023/04/11","score":5},{"title":"Owner","content":"I highly recommend","reviewerName":"Mahmut T.","createdAt":"2023/03/29","score":5},{"title":"Very good 👍","content":"Very good 👍","reviewerName":"Ekrem P.","createdAt":"2023/03/26","score":5},{"title":"Owner","content":"Great customer service","reviewerName":"Allison g.","createdAt":"2023/03/21","score":5},{"title":"Great affordable Insurance","content":"Satisfying lease term with affordable liability insurance / Great .","reviewerName":"Sam K.","createdAt":"2023/03/12","score":5},{"title":"Thank you for making it","content":"Thank you for making it so easy","reviewerName":"angelo r.","createdAt":"2023/02/22","score":5},{"title":"Friendly staff egar to help","content":"Friendly staff egar to help","reviewerName":"Lorraine R.","createdAt":"2023/02/17","score":5},{"title":"Insurance Certificate Request","content":"The help in getting coverage and a certificate of insurance was better than any other company that I have been to in previous years. No middle man with the insurance, direct contact with the company for coverage and any needs I have.","reviewerName":"Alicia W.","createdAt":"2023/02/16","score":5},{"title":"So Simple","content":"Seems like a great company. Very easy to sign up for insurance. Very affordable.","reviewerName":"Beth H.","createdAt":"2023/02/15","score":5},{"title":"Restaurant Insurance","content":"Helped consolidate all our insurances and saved us money","reviewerName":"Chuck T.","createdAt":"2023/02/01","score":5},{"title":"With so complicated world customer","content":"With so complicated world customer satisfaction is more than promise with Next Insurance. \nthank you \nsheba ethiopian restaurant \nAnchorage Ak","reviewerName":"Dawit O.","createdAt":"2023/01/29","score":5},{"title":"Great Service","content":"I experienced great customer service and found the insurance that was right for me!","reviewerName":"Andrae B.","createdAt":"2023/01/26","score":5},{"title":"Solomon’s","content":"Great quick interest.","reviewerName":"Dave P.","createdAt":"2023/01/23","score":5},{"title":"Easy","content":"Adding our worker's comp was easy and it will be an automatic deduction and payment.","reviewerName":"Michael D.","createdAt":"2023/01/15","score":5},{"title":"Excellent","content":"Excellent","reviewerName":"SAM F.","createdAt":"2022/12/23","score":5},{"title":"Greart","content":"Greart","reviewerName":"Michael A.","createdAt":"2022/12/17","score":5},{"title":"great experience thus far","content":"Thanks for being a reasonable provider of business insurance, next has been a great help. Thank you","reviewerName":"Anthony B.","createdAt":"2022/12/02","score":5},{"title":"Thanks!","content":"Thanks for making a General Liability quote and issue so easy!","reviewerName":"Hadzi P.","createdAt":"2022/11/17","score":5},{"title":"The process was as fast","content":"The process was as fast and easy as advertised","reviewerName":"Benita V.","createdAt":"2022/11/08","score":5}],"isDisplayCOB":false,"ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false},"reviewsAmountForProductID":49,"averageScoreForProductID":4.632653,"reviewsLastUpdate":"UTC - 2025-02-02 10:48:17"},{"acf_fc_layout":"reviews_manual","displayModule":false,"bgColor":"white","reviews_manual_highlight_color_bgColor_bgColor":"yellow","reviews_manual_title":"Customer reviews","reviews_manual_subtitle":"","reviews_manual_reviews":[{"reviews_manual_reviews_image":"https://www.nextinsurance.com/wp-content/uploads/2022/11/review-avatar-1.png","review_manual_review_text":{"review_manual_review_text_title":"I am so excited","review_manual_review_text_content":"I am totally excited about my new insurance for my small business. I am happy that the price was in a range that I can afford, the terms were easy to understand and it was so simple to purchase my first policy. I look forward to doing business with you in the future.\r\n","review_manual_review_text_name":"Curzella J."},"review_manual_review_rating":"5"},{"reviews_manual_reviews_image":"https://www.nextinsurance.com/wp-content/uploads/2022/11/review-avatar-2.png","review_manual_review_text":{"review_manual_review_text_title":"Easiest insurance purchase – EVER!","review_manual_review_text_content":"I was looking around trying to compare insurance and I am so lucky I found NEXT. I was able to compare levels of coverage, and all the options, without pressure from a salesperson or time limits. I was able to check out prices and it was more coverage for less than the “traditional” company I looked at.\r\n","review_manual_review_text_name":"Michael W."},"review_manual_review_rating":"5"},{"reviews_manual_reviews_image":"https://www.nextinsurance.com/wp-content/uploads/2022/11/review-avatar-3.png","review_manual_review_text":{"review_manual_review_text_title":"Happy small business owner!","review_manual_review_text_content":"I needed liability insurance for my new small business brick \u0026 mortar location. I got the run around from another company, but NEXT provided a competitive insurance quote in a timely manner. I now have the insurance that I need and it was stress-free!\r\n","review_manual_review_text_name":"Nicole E."},"review_manual_review_rating":"5"}],"ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}},{"acf_fc_layout":"faq_module","displayModule":true,"faq_choose_header":"title","faq_title":"Frequently asked questions about food and beverage services insurance","faq_image":false,"faq_image_alt":"","faq_description":"","faq_short_description":"","faq_open_questions":"0","bgColor":"sky_25","faq_manually_questions":false,"faq_selected_questions":[{"ID":11151635,"post_author":"91","post_date":"2021-05-11 18:58:27","post_date_gmt":"2021-05-11 18:58:27","post_content":"Our restaurant insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:\r\n\u003ch3\u003eDamage to someone’s property\u003c/h3\u003e\r\nA server spills soup on a client’s designer purse and cell phone. The general liability coverage in your insurance package could help pay for replacements.**\r\n\u003ch3\u003eAccidents that hurt someone\u003c/h3\u003e\r\nA customer slips and falls in your restaurant’s parking lot. Your restaurant \u003ca href=\"https://www.nextinsurance.com/general-liability-insurance/\"\u003egeneral liability coverage\u003c/a\u003e could also come into play here by defending you from legal fees and helping to pay for damages if you are found liable.\r\n\u003ch3\u003eLiquor liability insurance\u003c/h3\u003e\r\nAn intoxicated customer accidentally knocks another patron to the ground on the way to the bathroom. The guest breaks her wrist in the fall and sues your business for the medical expenses. Liquor liability insurance can help with legal defense costs or any medical bills for which you may be held responsible.\r\n\u003ch3\u003eProfessional mistakes\u003c/h3\u003e\r\nYour staff incorrectly answers a customer’s question about ingredients and they wind up in the hospital with an allergic reaction. Our general liability policy includes \u003ca href=\"https://www.nextinsurance.com/professional-liability-insurance/\"\u003eprofessional liability insurance\u003c/a\u003e, which helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.\r\n\u003ch3\u003eWorkplace injuries\u003c/h3\u003e\r\nOne of your cooks gets burned by hot oil in the kitchen and needs medical attention. \u003ca href=\"https://www.nextinsurance.com/workers-compensation-insurance/\"\u003eWorkers’ compensation coverage\u003c/a\u003e with business owner’s coverage can help cover medical bills and lost wages while they recover. Workers’ comp is usually required by law if you have employees.\r\n\u003ch3\u003eInjuries and damage involving your business vehicles\u003c/h3\u003e\r\nYour employee accidentally reverses the restaurant’s van into a parked car. \u003ca href=\"https://www.nextinsurance.com/commercial-auto-insurance/\"\u003eCommercial auto coverage\u003c/a\u003e can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.\r\n\u003ch3\u003eDamage to your own property\u003c/h3\u003e\r\nA grease fire breaks out and damages most of your facility’s kitchen. \u003ca href=\"https://www.nextinsurance.com/commercial-property-insurance/\"\u003eCommercial property insurance\u003c/a\u003e can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.","post_title":"How does business insurance protect restaurants?","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"how-does-business-insurance-protect-restaurants","to_ping":"","pinged":"","post_modified":"2024-10-24 22:14:11","post_modified_gmt":"2024-10-24 22:14:11","post_content_filtered":"","post_parent":0,"guid":"https://www.nextinsurance.com/?post_type=qa\u0026#038;p=11151635","menu_order":0,"post_type":"qa","post_mime_type":"","comment_count":"0","filter":"raw"},{"ID":11151625,"post_author":"91","post_date":"2021-05-11 18:38:49","post_date_gmt":"2021-05-11 18:38:49","post_content":"Our affordable food cart insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:\r\n\u003ch3\u003eDamage to someone’s property\u003c/h3\u003e\r\nYou miscalculated the height of an awning and ripped it down with your food truck. The general liability coverage in your insurance package could help pay for a replacement.**\r\n\u003ch3\u003eAccidents that hurt someone\u003c/h3\u003e\r\nYour cart’s wheel goes over a customer’s foot and fractures a toe. Your food cart \u003ca href=\"https://www.nextinsurance.com/general-liability-insurance/\"\u003egeneral liability coverage\u003c/a\u003e could also come into play here by helping to pay for medical costs and legal fees.\r\n\u003ch3\u003eWorkplace injuries\u003c/h3\u003e\r\nYou trip over a large crack in a sidewalk and sprain your ankle. \u003ca href=\"https://www.nextinsurance.com/workers-compensation-insurance/\"\u003eWorkers’ compensation coverage\u003c/a\u003e with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.\r\n\u003ch3\u003eInjuries and damage involving your business vehicles\u003c/h3\u003e\r\nYour food cart rolls into a parked car and dents the rear bumper. \u003ca href=\"https://www.nextinsurance.com/commercial-auto-insurance/\"\u003eCommercial auto coverage\u003c/a\u003e can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.\r\n\u003ch3\u003eDamage to your own property\u003c/h3\u003e\r\nA fire in your storage space leaves your food cart unusable. \u003ca href=\"https://www.nextinsurance.com/commercial-property-insurance/\"\u003eCommercial property insurance\u003c/a\u003e can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.","post_title":"How does business insurance protect food carts?","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"how-does-business-insurance-protect-food-carts","to_ping":"","pinged":"","post_modified":"2024-10-23 11:39:25","post_modified_gmt":"2024-10-23 11:39:25","post_content_filtered":"","post_parent":0,"guid":"https://www.nextinsurance.com/?post_type=qa\u0026#038;p=11151625","menu_order":0,"post_type":"qa","post_mime_type":"","comment_count":"0","filter":"raw"},{"ID":11151344,"post_author":"91","post_date":"2021-05-05 21:44:06","post_date_gmt":"2021-05-05 21:44:06","post_content":"Our catering service insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:\r\n \u003ch3\u003eDamage to someone’s property\u003c/h3\u003e\r\n A busser accidentally damages counter tops at an event space with your hot pans. The \u003ca href=\"https://www.nextinsurance.com/general-liability-insurance/\"\u003egeneral liability\u003c/a\u003e coverage in your insurance package could help pay for repairs.**\r\n \u003ch3\u003eAccidents that hurt someone\u003c/h3\u003e\r\n A guest at an event gets a burn from a buffet chafing dish that requires medical attention. Your \u003ca href=\"https://www.nextinsurance.com/general-liability-insurance/\"\u003egeneral liability coverage\u003c/a\u003e could also come into play here by helping to pay for medical costs and legal fees.\r\n \u003ch3\u003eWorkplace injuries\u003c/h3\u003e\r\n A server trips over a guest’s foot and sprains their ankle. \u003ca href=\"https://www.nextinsurance.com/workers-compensation-insurance/\"\u003eWorkers’ compensation coverage\u003c/a\u003e with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.\r\n \u003ch3\u003eInjuries and damage involving your business vehicles\u003c/h3\u003e\r\n A driver in front of you stops short to avoid a collision and you rear end them with your catering van. \u003ca href=\"https://www.nextinsurance.com/commercial-auto-insurance/\"\u003eCommercial auto coverage\u003c/a\u003e will help pay for the repairs and medical bills. This coverage is also usually required by law for business-owned vehicles.\r\n \u003ch3\u003eDamage to your own property\u003c/h3\u003e\r\n A grease fire breaks out and damages most of your facility’s kitchen. \u003ca href=\"https://www.nextinsurance.com/commercial-property-insurance/\"\u003eCommercial property insurance\u003c/a\u003e can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.","post_title":"How does business insurance protect caterers?","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"how-does-business-insurance-protect-caterers","to_ping":"","pinged":"","post_modified":"2024-10-22 11:11:24","post_modified_gmt":"2024-10-22 11:11:24","post_content_filtered":"","post_parent":0,"guid":"https://www.nextinsurance.com/?post_type=qa\u0026#038;p=11151344","menu_order":0,"post_type":"qa","post_mime_type":"","comment_count":"0","filter":"raw"},{"ID":11148694,"post_author":"128","post_date":"2021-02-15 09:45:12","post_date_gmt":"2021-02-15 09:45:12","post_content":"It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work.\r\n\r\nYou’ll choose your options and see prices. If you like what you see, you can buy online and get a \u003ca href=\"https://www.nextinsurance.com/certificate-of-insurance/\"\u003ecertificate of insurance\u003c/a\u003e (proof of insurance) on the spot.","post_title":"What do I need to get an insurance quote online?","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"what-do-i-need-to-get-an-insurance-quote-online-2","to_ping":"","pinged":"","post_modified":"2024-10-28 17:37:17","post_modified_gmt":"2024-10-28 17:37:17","post_content_filtered":"","post_parent":0,"guid":"https://www.nextinsurance.com/?post_type=qa\u0026#038;p=11148694","menu_order":0,"post_type":"qa","post_mime_type":"","comment_count":"0","filter":"raw"},{"ID":11148700,"post_author":"128","post_date":"2021-02-15 09:47:13","post_date_gmt":"2021-02-15 09:47:13","post_content":"If you’re a policyholder, simply \u003ca href=\"https://track.nextinsurance.com/links?serial=65654\"\u003elog in to your account\u003c/a\u003e and \u003ca href=\"https://www.nextinsurance.com/claim-page/\"\u003efile a claim\u003c/a\u003e. We’ll contact you shortly to go over the details. Our support team is standing by to help.","post_title":"How do you file an insurance claim with NEXT?","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"how-does-the-claims-process-work-with-next-insurance","to_ping":"","pinged":"","post_modified":"2024-08-15 21:26:44","post_modified_gmt":"2024-08-15 21:26:44","post_content_filtered":"","post_parent":0,"guid":"https://www.nextinsurance.com/?post_type=qa\u0026#038;p=11148700","menu_order":0,"post_type":"qa","post_mime_type":"","comment_count":"0","filter":"raw"}],"ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}},{"acf_fc_layout":"coi_module","displayModule":true,"bgColor":"sky_50","displayPaddingFrame":true,"title":"Need a Fast Certificate of Insurance?","subtitle":"Download the NEXT mobile app and get your COI in 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18:25:54","menu_order":0,"mime_type":"image/png","type":"image","subtype":"png","icon":"https://www.nextinsurance.com/wp-includes/images/media/default.png","width":1440,"height":1440,"sizes":{"thumbnail":"https://www.nextinsurance.com/wp-content/uploads/2022/04/coi-app-download-150x150.png","thumbnail-width":150,"thumbnail-height":150,"medium":"https://www.nextinsurance.com/wp-content/uploads/2022/04/coi-app-download-300x300.png","medium-width":300,"medium-height":300,"medium_large":"https://www.nextinsurance.com/wp-content/uploads/2022/04/coi-app-download-768x768.png","medium_large-width":768,"medium_large-height":768,"large":"https://www.nextinsurance.com/wp-content/uploads/2022/04/coi-app-download-1024x1024.png","large-width":1024,"large-height":1024,"1536x1536":"https://www.nextinsurance.com/wp-content/uploads/2022/04/coi-app-download.png","1536x1536-width":1440,"1536x1536-height":1440,"2048x2048":"https://www.nextinsurance.com/wp-content/uploads/2022/04/coi-app-download.png","2048x2048-width":1440,"2048x2048-height":1440,"popularposts":"https://www.nextinsurance.com/wp-content/uploads/2022/04/coi-app-download-380x240.png","popularposts-width":380,"popularposts-height":240,"blogpostemail":"https://www.nextinsurance.com/wp-content/uploads/2022/04/coi-app-download-300x300.png","blogpostemail-width":300,"blogpostemail-height":300,"blogrollbig":"https://www.nextinsurance.com/wp-content/uploads/2022/04/coi-app-download-588x380.png","blogrollbig-width":588,"blogrollbig-height":380,"FacebookBig":"https://www.nextinsurance.com/wp-content/uploads/2022/04/coi-app-download-1200x630.png","FacebookBig-width":1200,"FacebookBig-height":630,"FacebookSmall":"https://www.nextinsurance.com/wp-content/uploads/2022/04/coi-app-download-484x252.png","FacebookSmall-width":484,"FacebookSmall-height":252,"spotlight":"https://www.nextinsurance.com/wp-content/uploads/2022/04/coi-app-download-640x455.png","spotlight-width":640,"spotlight-height":455,"archiveBlogroll":"https://www.nextinsurance.com/wp-content/uploads/2022/04/coi-app-download-645x360.png","archiveBlogroll-width":645,"archiveBlogroll-height":360,"archiveBlogrollMobile":"https://www.nextinsurance.com/wp-content/uploads/2022/04/coi-app-download-315x176.png","archiveBlogrollMobile-width":315,"archiveBlogrollMobile-height":176,"singleBlogImage":"https://www.nextinsurance.com/wp-content/uploads/2022/04/coi-app-download-802x454.png","singleBlogImage-width":802,"singleBlogImage-height":454,"blogCategoryHeroDesktop":"https://www.nextinsurance.com/wp-content/uploads/2022/04/coi-app-download-1440x335.png","blogCategoryHeroDesktop-width":1440,"blogCategoryHeroDesktop-height":335,"blogCategoryHeroTablet":"https://www.nextinsurance.com/wp-content/uploads/2022/04/coi-app-download-768x134.png","blogCategoryHeroTablet-width":768,"blogCategoryHeroTablet-height":134,"blogCategoryHeroMobile":"https://www.nextinsurance.com/wp-content/uploads/2022/04/coi-app-download-360x120.png","blogCategoryHeroMobile-width":360,"blogCategoryHeroMobile-height":120}},"displayCtaButton":false,"ctaButton":{"title":"","url":"","buttonBgColor":"Transparent"},"displayApplicationLinks":true,"ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}},{"acf_fc_layout":"related_posts_module","displayModule":true,"bgColor":"white","title":"Take a look at some helpful blog posts","subtitle":"","manualChoosePosts":"choose","relatedPostsList":[{"one_related_post":{"slug":"restaurant-startup-costs","title":"Restaurant startup costs explained: Your guide to budget planning","featuredImage":"https://www.nextinsurance.com/wp-content/uploads/2019/09/Septembers-Blog-Post-5-1-645x360.jpg","isNewLabel":false,"postTag":null,"category":{"taxonomy":"blog-business-category","name":"Start","slug":"start"}},"bgColor":"white","hover_bgColor":"sky"},{"one_related_post":{"slug":"small-business-spotlight-mimis-mocha-treats","title":"Small business spotlight: Mimi’s Mocha Treats","featuredImage":"https://www.nextinsurance.com/wp-content/uploads/2022/10/mimis-mocha-treats_802x454-645x360.jpg","isNewLabel":false,"postTag":null,"category":{"taxonomy":"blog-business-category","name":"Promote","slug":"promote"}},"bgColor":"white","hover_bgColor":"sky"},{"one_related_post":{"slug":"get-catering-business-license","title":"How to get a catering license: A six-step guide for caterers","featuredImage":"https://www.nextinsurance.com/wp-content/uploads/2019/10/october_2019_5-645x360.jpg","isNewLabel":false,"postTag":null,"category":{"taxonomy":"blog-business-category","name":"Start","slug":"start"}},"bgColor":"white","hover_bgColor":"sky"}],"relatedPostsListManual":false,"ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}},{"acf_fc_layout":"disclaimer_module","displayModule":true,"disclaimerText":"* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.","ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}}],"seo":{"title":"Food and Beverage Business Insurance | NEXT","description":"NEXT Insurance offers liability coverage tailored for food and beverage businesses. Choose your insurance plan online \u0026 buy in less than 10 minutes.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https://www.nextinsurance.com/industry/restaurant-food-and-bar-insurance/","og_locale":"en_US","og_type":"article","og_title":"Food and Beverage Insurance","og_description":"NEXT Insurance offers liability coverage tailored for food and beverage businesses. Choose your insurance plan online \u0026 buy in less than 10 minutes.","og_url":"https://www.nextinsurance.com/industry/restaurant-food-and-bar-insurance/","og_site_name":"Next Insurance","og_image":[{"width":2560,"height":1330,"url":"https://www.nextinsurance.com/wp-content/uploads/2021/09/social-image-logo-scaled.jpeg","type":"image/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@nextinsurance1","schema":{"@context":"https://schema.org","@graph":[{"@type":"CollectionPage","@id":"https://www.nextinsurance.com/industry/restaurant-food-and-bar-insurance/","url":"https://www.nextinsurance.com/industry/restaurant-food-and-bar-insurance/","name":"Food and Beverage Business Insurance | NEXT","isPartOf":{"@id":"https://www.nextinsurance.com/#website"},"description":"NEXT Insurance offers liability coverage tailored for food and beverage businesses. 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You can be protected from financial losses related to:\r\n\u003ch3\u003eDamage to someone’s property\u003c/h3\u003e\r\nA server spills soup on a client’s designer purse and cell phone. The general liability coverage in your insurance package could help pay for replacements.**\r\n\u003ch3\u003eAccidents that hurt someone\u003c/h3\u003e\r\nA customer slips and falls in your restaurant’s parking lot. Your restaurant \u003ca href=\"https://www.nextinsurance.com/general-liability-insurance/\"\u003egeneral liability coverage\u003c/a\u003e could also come into play here by defending you from legal fees and helping to pay for damages if you are found liable.\r\n\u003ch3\u003eLiquor liability insurance\u003c/h3\u003e\r\nAn intoxicated customer accidentally knocks another patron to the ground on the way to the bathroom. The guest breaks her wrist in the fall and sues your business for the medical expenses. Liquor liability insurance can help with legal defense costs or any medical bills for which you may be held responsible.\r\n\u003ch3\u003eProfessional mistakes\u003c/h3\u003e\r\nYour staff incorrectly answers a customer’s question about ingredients and they wind up in the hospital with an allergic reaction. Our general liability policy includes \u003ca href=\"https://www.nextinsurance.com/professional-liability-insurance/\"\u003eprofessional liability insurance\u003c/a\u003e, which helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.\r\n\u003ch3\u003eWorkplace injuries\u003c/h3\u003e\r\nOne of your cooks gets burned by hot oil in the kitchen and needs medical attention. \u003ca href=\"https://www.nextinsurance.com/workers-compensation-insurance/\"\u003eWorkers’ compensation coverage\u003c/a\u003e with business owner’s coverage can help cover medical bills and lost wages while they recover. Workers’ comp is usually required by law if you have employees.\r\n\u003ch3\u003eInjuries and damage involving your business vehicles\u003c/h3\u003e\r\nYour employee accidentally reverses the restaurant’s van into a parked car. \u003ca href=\"https://www.nextinsurance.com/commercial-auto-insurance/\"\u003eCommercial auto coverage\u003c/a\u003e can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.\r\n\u003ch3\u003eDamage to your own property\u003c/h3\u003e\r\nA grease fire breaks out and damages most of your facility’s kitchen. \u003ca href=\"https://www.nextinsurance.com/commercial-property-insurance/\"\u003eCommercial property insurance\u003c/a\u003e can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism."}},{"@type":"Question","name":"How does business insurance protect food carts?","acceptedAnswer":{"@type":"Answer","text":"Our affordable food cart insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:\r\n\u003ch3\u003eDamage to someone’s property\u003c/h3\u003e\r\nYou miscalculated the height of an awning and ripped it down with your food truck. The general liability coverage in your insurance package could help pay for a replacement.**\r\n\u003ch3\u003eAccidents that hurt someone\u003c/h3\u003e\r\nYour cart’s wheel goes over a customer’s foot and fractures a toe. Your food cart \u003ca href=\"https://www.nextinsurance.com/general-liability-insurance/\"\u003egeneral liability coverage\u003c/a\u003e could also come into play here by helping to pay for medical costs and legal fees.\r\n\u003ch3\u003eWorkplace injuries\u003c/h3\u003e\r\nYou trip over a large crack in a sidewalk and sprain your ankle. \u003ca href=\"https://www.nextinsurance.com/workers-compensation-insurance/\"\u003eWorkers’ compensation coverage\u003c/a\u003e with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.\r\n\u003ch3\u003eInjuries and damage involving your business vehicles\u003c/h3\u003e\r\nYour food cart rolls into a parked car and dents the rear bumper. \u003ca href=\"https://www.nextinsurance.com/commercial-auto-insurance/\"\u003eCommercial auto coverage\u003c/a\u003e can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.\r\n\u003ch3\u003eDamage to your own property\u003c/h3\u003e\r\nA fire in your storage space leaves your food cart unusable. \u003ca href=\"https://www.nextinsurance.com/commercial-property-insurance/\"\u003eCommercial property insurance\u003c/a\u003e can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism."}},{"@type":"Question","name":"How does business insurance protect caterers?","acceptedAnswer":{"@type":"Answer","text":"Our catering service insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:\r\n \u003ch3\u003eDamage to someone’s property\u003c/h3\u003e\r\n A busser accidentally damages counter tops at an event space with your hot pans. The \u003ca href=\"https://www.nextinsurance.com/general-liability-insurance/\"\u003egeneral liability\u003c/a\u003e coverage in your insurance package could help pay for repairs.**\r\n \u003ch3\u003eAccidents that hurt someone\u003c/h3\u003e\r\n A guest at an event gets a burn from a buffet chafing dish that requires medical attention. Your \u003ca href=\"https://www.nextinsurance.com/general-liability-insurance/\"\u003egeneral liability coverage\u003c/a\u003e could also come into play here by helping to pay for medical costs and legal fees.\r\n \u003ch3\u003eWorkplace injuries\u003c/h3\u003e\r\n A server trips over a guest’s foot and sprains their ankle. \u003ca href=\"https://www.nextinsurance.com/workers-compensation-insurance/\"\u003eWorkers’ compensation coverage\u003c/a\u003e with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.\r\n \u003ch3\u003eInjuries and damage involving your business vehicles\u003c/h3\u003e\r\n A driver in front of you stops short to avoid a collision and you rear end them with your catering van. \u003ca href=\"https://www.nextinsurance.com/commercial-auto-insurance/\"\u003eCommercial auto coverage\u003c/a\u003e will help pay for the repairs and medical bills. This coverage is also usually required by law for business-owned vehicles.\r\n \u003ch3\u003eDamage to your own property\u003c/h3\u003e\r\n A grease fire breaks out and damages most of your facility’s kitchen. \u003ca href=\"https://www.nextinsurance.com/commercial-property-insurance/\"\u003eCommercial property insurance\u003c/a\u003e can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism."}},{"@type":"Question","name":"What do I need to get an insurance quote online?","acceptedAnswer":{"@type":"Answer","text":"It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work.\r\n\r\nYou’ll choose your options and see prices. If you like what you see, you can buy online and get a \u003ca href=\"https://www.nextinsurance.com/certificate-of-insurance/\"\u003ecertificate of insurance\u003c/a\u003e (proof of insurance) on the spot."}},{"@type":"Question","name":"How do you file an insurance claim with NEXT?","acceptedAnswer":{"@type":"Answer","text":"If you’re a policyholder, simply \u003ca href=\"https://track.nextinsurance.com/links?serial=65654\"\u003elog in to your account\u003c/a\u003e and \u003ca href=\"https://www.nextinsurance.com/claim-page/\"\u003efile a claim\u003c/a\u003e. We’ll contact you shortly to go over the details. Our support team is standing by to help."}}]},{"@context":"https://schema.org","@type":"Organization","name":"Next Insurance","url":"https://www.nextinsurance.com/","sameAs":["https://www.facebook.com/NextInsuranceUSA/","https://www.instagram.com/nextinsuranceinc/","https://il.linkedin.com/company/next-insurance","https://www.youtube.com/channel/UCXKL3pilHs2KJPLaICWskmQ","https://twitter.com/nextinsurance1"],"@id":"https://www.nextinsurance.com/#organization","mainEntity":[],"logo":{"@type":"ImageObject","@id":"https://www.nextinsurance.com/#logo","inLanguage":"en-US","url":"https://www.nextinsurance.com/wp-content/uploads/2021/08/logo-website-new.svg","contentUrl":"https://www.nextinsurance.com/wp-content/uploads/2021/08/logo-website-new.svg","caption":"Next Insurance"},"image":{"@id":"https://www.nextinsurance.com/#logo"}}]}},"lmsPath":"https://track.nextinsurance.com","lightPage":null,"breadcrumbs":[{"@type":"ListItem","position":1,"name":"Home","item":"https://www.nextinsurance.com/"},{"@type":"ListItem","position":2,"name":"Who We Insure","item":"https://www.nextinsurance.com/business/"},{"@type":"ListItem","position":3,"name":"Food and Beverage Insurance"}],"ABTestOptions":{"allowABTest":false,"type":"fullPageABTest","variantNames":[{"variantName":"c_202410_cobcat_restaurantfoodbar_control_v8"}]},"LMSSerial":null},"__N_SSP":true},"page":"/industry/[slug]","query":{"slug":"restaurant-food-and-bar-insurance"},"buildId":"PFmghf_4_YmvGUEysYi3l","runtimeConfig":{"s3UploadsBucketURL":"","env":"production","imageHomeURL":"https://www.nextinsurance.com"},"isFallback":false,"isExperimentalCompile":false,"dynamicIds":[9150],"gssp":true,"appGip":true,"locale":"en","locales":["en"],"defaultLocale":"en","scriptLoader":[]}</script></body></html>