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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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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-14cskrz{text-align:center;font-size:2.083vw;}}@media (min-width: 1024px){.css-14cskrz{text-align:center;font-size:1.111vw;}}@media (max-width: 639px){.css-14cskrz{min-width:42vw;max-width:42vw;}}@media (min-width: 1920px){.css-14cskrz{font-size:20px;}}@media (min-width: 640px){.css-14cskrz{margin-bottom:2.083vw;}}@media (min-width: 1024px){.css-14cskrz{margin-bottom:1.666vw;}}@media (max-width: 639px){.css-14cskrz{font-weight:600;}}@media (min-width: 1920px){.css-14cskrz{margin-bottom:1.5rem;}}</style><p class="css-14cskrz e2cgpp47">Business Owner's Policy</p></div><style data-emotion="css x4xf2l">@media (min-width: 640px){.css-x4xf2l{display:none;}}</style><div class="css-x4xf2l e2cgpp43"><style data-emotion="css 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e2cgpp48"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2023/05/lob-selector-gl-color_hover_340x256.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2023/05/lob-selector-gl-color_hover_340x256.png" alt="General Liability Insurance" width="203" height="203" class="mx-auto" loading="eager" fetchpriority="high"/></picture></p><div class="css-0 e2cgpp41"><p class="css-14cskrz e2cgpp47">General Liability</p></div><div class="css-x4xf2l e2cgpp43"><svg viewBox="0 0 7 12" fill="none" xmlns="http://www.w3.org/2000/svg" class="css-1bvbhum e2cgpp44"><path d="M0.75 11.4375L5.4375 6L0.75 0.5625" stroke="#231F20" stroke-miterlimit="10" stroke-linecap="round" class="css-0 e1c2u6ud0"></path></svg></div><div class="tile-item-button css-13jxpol e2cgpp45" data-cy="cta-button">Get a Quote</div></a><a href="https://track.nextinsurance.com/links?serial=96027" data-cy="tile-item" class="css-fnpiyr e2cgpp49"><p class="tile-item-image 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src="/img/featured-on/cnbc.svg" alt="cnbc" width="123" height="40" loading="eager" fetchpriority="auto"/></picture></div></span><style data-emotion="css 1wnowod">.css-1wnowod{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-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;}</style><span class="css-1wnowod e85alft2"><style data-emotion="css n03pwd">.css-n03pwd{width:1.5vw;}@media (max-width: 639px){.css-n03pwd{max-height:100%;width:8vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-n03pwd{width:2.6vw;}}</style><span role="star" class="css-n03pwd e85alft3"><picture><img src="/img/featured-on/star.svg" alt="star" width="20" height="20" class="w-7 mobile:max-h-full" loading="eager" fetchpriority="auto"/></picture></span><span role="star" class="css-n03pwd e85alft3"><picture><img src="/img/featured-on/star.svg" alt="star" width="20" height="20" class="w-7 mobile:max-h-full" loading="eager" fetchpriority="auto"/></picture></span><span role="star" class="css-n03pwd e85alft3"><picture><img src="/img/featured-on/star.svg" alt="star" width="20" height="20" class="w-7 mobile:max-h-full" loading="eager" fetchpriority="auto"/></picture></span><span role="star" class="css-n03pwd e85alft3"><picture><img src="/img/featured-on/star.svg" alt="star" width="20" height="20" class="w-7 mobile:max-h-full" loading="eager" fetchpriority="auto"/></picture></span><span class="mr-5 css-n03pwd e85alft3"><picture><img src="/img/featured-on/partial-star.svg" alt="partial star" width="20" height="20" class="w-7 mobile:max-h-full" loading="eager" fetchpriority="auto"/></picture></span><style data-emotion="css zigog8">.css-zigog8{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;}</style><div class="css-zigog8 e85alft0"><style data-emotion="css cycsli">.css-cycsli{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-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;font-family:Graphik Web,sans-serif;font-size:0.972vw;letter-spacing:0;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 1280px){.css-cycsli{width:6vw;}}@media (max-width: 639px){.css-cycsli{font-size:4.267vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-cycsli{font-size:2.083vw;}}@media (min-width: 2500px){.css-cycsli{font-size:20px;}}</style><span class="css-cycsli e85alft1">Rated 4.7/5</span><a href="/reviews/"><style data-emotion="css 1j738ad">.css-1j738ad{font-family:Graphik Web,sans-serif;font-size:3.733vw;line-height:140%;letter-spacing:0;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-1j738ad{font-size:1.823vw;}}@media (min-width: 1024px){.css-1j738ad{font-size:1.111vw;}}@media (min-width: 1920px){.css-1j738ad{font-size:16px;}}</style><p type="body-text-sm" class="cursor-pointer css-1j738ad e3r5m8y1">(5056 reviews)</p></a></div></span></div></div><div ni-selector="3-icon_tiles_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="icon-tiles"><style data-emotion="css l2nhqm">.css-l2nhqm{margin-left:auto;margin-right:auto;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;padding:17.067vw 4.267vw;}@media (min-width: 640px){.css-l2nhqm{padding:7.813vw;}}@media (min-width: 1024px){.css-l2nhqm{padding:4.444vw;}}@media (min-width: 1920px){.css-l2nhqm{width:1700px;padding:64px;}}</style><div class="css-l2nhqm e8z6v5c5"><style data-emotion="css 1iwdu09">@media (min-width: 640px){.css-1iwdu09{padding-bottom:8.533vw;}}@media (min-width: 1024px){.css-1iwdu09{padding-bottom:2.778vw;}}@media (min-width: 1920px){.css-1iwdu09{padding-bottom:40px;}}</style><div class="css-1iwdu09 e8z6v5c4"><style data-emotion="css 1p4kj5a">.css-1p4kj5a{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-1p4kj5a{font-size:3.646vw;}}@media (min-width: 1024px){.css-1p4kj5a{font-size:2.778vw;}}@media (min-width: 1920px){.css-1p4kj5a{font-size:40px;}}</style><h2 role="IconTilesModuleTitle" class="css-1p4kj5a e8z6v5c0">Restaurant insurance can help protect you from:</h2></div><style data-emotion="css m3qh21">.css-m3qh21{display:grid;grid-template-columns:repeat(1, minmax(0, 1fr));gap:6.400vw;padding-bottom:10.667vw;}@media (min-width: 640px){.css-m3qh21{grid-template-columns:repeat(2, minmax(0, 1fr));gap:3.125vw;padding-bottom:3.125vw;}}@media (min-width: 1024px){.css-m3qh21{grid-template-columns:repeat(4, minmax(0, 1fr));gap:1.667vw;padding-bottom:3.333vw;}}@media (min-width: 1920px){.css-m3qh21{gap:24px;padding-bottom:48px;}}</style><div class="css-m3qh21 e8z6v5c2"><style data-emotion="css a6aaot">.css-a6aaot{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;border-radius:0.75rem;padding:32px;--tw-bg-opacity:1;background-color:rgb(229 254 255 / var(--tw-bg-opacity));}@media (max-width: 639px){.css-a6aaot{width:100%;padding-bottom:40px;padding-left:32px;padding-right:32px;padding-top:24px;}}</style><div role="SingleIconTile" class="css-a6aaot ext9ktw3"><picture><img src="https://www.nextinsurance.com/wp-content/uploads/2021/10/icon-equipment-breakdown.svg" alt="Theft" width="96" height="96" loading="lazy" fetchpriority="auto"/></picture><style data-emotion="css 2vaxac">.css-2vaxac{padding-bottom:1rem;padding-top:1rem;font-family:Graphik Web,sans-serif;font-size:4.267vw;font-weight:600;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-2vaxac{font-size:2.344vw;}}@media (min-width: 1024px){.css-2vaxac{font-size:1.250vw;}}@media (min-width: 1920px){.css-2vaxac{font-size:18px;}}</style><h3 class="css-2vaxac ext9ktw2">Theft</h3><style data-emotion="css 18kab9k">.css-18kab9k{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-18kab9k{font-size:2.344vw;}}@media (min-width: 1024px){.css-18kab9k{font-size:1.250vw;}}@media (min-width: 1920px){.css-18kab9k{font-size:18px;}}</style><div class="css-18kab9k ext9ktw1">Burglary means that expensive equipment and inventory needs to be replaced – fast.</div></div><div role="SingleIconTile" class="css-a6aaot ext9ktw3"><picture><img src="https://www.nextinsurance.com/wp-content/uploads/2023/06/icon-food-poisoning.svg" alt="Injury or illness liability" width="96" height="96" loading="lazy" fetchpriority="auto"/></picture><h3 class="css-2vaxac ext9ktw2">Injury or illness liability</h3><div class="css-18kab9k ext9ktw1">A customer files a lawsuit or asks for medical payments to cover an injury or claims of food poisoning.</div></div><div role="SingleIconTile" class="css-a6aaot ext9ktw3"><picture><img src="https://www.nextinsurance.com/wp-content/uploads/2021/10/icon-property-damage.svg" alt="Property damage and vandalism" width="96" height="96" loading="lazy" fetchpriority="auto"/></picture><h3 class="css-2vaxac ext9ktw2">Property damage and vandalism</h3><div class="css-18kab9k ext9ktw1">A kitchen fire, water damage or power outage can damage equipment and inventory.</div></div><div role="SingleIconTile" class="css-a6aaot ext9ktw3"><picture><img src="https://www.nextinsurance.com/wp-content/uploads/2023/06/icon-liquor-liability.svg" alt="Liquor Liability" width="96" height="96" loading="lazy" fetchpriority="auto"/></picture><h3 class="css-2vaxac ext9ktw2">Liquor Liability</h3><div class="css-18kab9k ext9ktw1">If an intoxicated customer breaks something or causes an injury you could be held liable.</div></div></div><div class="css-zigog8 e8z6v5c1"></div></div></div><div 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.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>Any number of things can go wrong when you work in the restaurant industry.</p> <p>Your commercial restaurant business insurance can help you save money when things break, someone gets hurt or you’re faced with a lawsuit.</p> <p>NEXT insurance helps protect more than 500,000 small businesses and over 10,000 restaurants. We make it fast, easy and affordable to protect your business with the insurance you need.</p> </div></div><div><a target="_self" href="https://track.nextinsurance.com/links?serial=96027"><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: 640px){.css-17uiwer{line-height:1rem;}}@media (min-width: 1024px){.css-17uiwer{font-size:1.25rem;line-height:1rem;}}@media (min-width: 640px){.css-17uiwer{height:40px;padding-left:30px;padding-right:30px;}}@media (min-width: 1024px){.css-17uiwer{height:52px;padding-left:36px;padding-right:36px;}}.css-17uiwer:hover{--tw-border-opacity:1;border-color:rgb(0 215 255 / var(--tw-border-opacity));}</style><button class="group css-17uiwer eb5jaud17"><span>Get Instant Quote</span></button></a></div></div></div></div></div></div><div ni-selector="5-inline_video_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="inline-video"><style data-emotion="css 1uh1rah">.css-1uh1rah{padding-top:3.2vw;padding-bottom:3.2vw;--tw-bg-opacity:1;background-color:rgb(255 255 255 / var(--tw-bg-opacity));}@media (min-width: 640px){.css-1uh1rah{padding-top:1.563vw;padding-bottom:1.563vw;}}@media (min-width: 1024px){.css-1uh1rah{padding-top:0.833vw;padding-bottom:0.833vw;}}@media (min-width: 1920px){.css-1uh1rah{padding-top:12px;padding-bottom:12px;}}</style><div class="css-1uh1rah e1dht2ft0"><style data-emotion="css 1q1e8dp">.css-1q1e8dp{margin:auto;width:91.466vw;}@media (min-width: 640px){.css-1q1e8dp{width:84.4vw;}}@media (min-width: 1024px){.css-1q1e8dp{width:73.8vw;}}@media (min-width: 1280px){.css-1q1e8dp{margin-bottom:1.6vw;}}</style><div data-cy-eyes="ignore" class="css-1q1e8dp e1dht2ft2"><h2 type="h2-titles-alpina-reg" class="text-center css-83gwoi e3r5m8y3" role="title">How NEXT helps restaurant businesses</h2></div><style data-emotion="css ar5kg6">.css-ar5kg6{margin:auto;width:91.466vw;text-align:center;}@media (min-width: 640px){.css-ar5kg6{width:84.4vw;}}@media (min-width: 1024px){.css-ar5kg6{width:73.8vw;}}</style><div data-cy-eyes="ignore" class="css-ar5kg6 e1dht2ft1"><style data-emotion="css 1fqwwkt">.css-1fqwwkt{font-family:Graphik Web,sans-serif;font-size:4.267vw;line-height:140%;letter-spacing:0;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-1fqwwkt{font-size:2.083vw;}}@media (min-width: 1024px){.css-1fqwwkt{font-size:1.389vw;}}@media (min-width: 1920px){.css-1fqwwkt{font-size:20px;}}</style><p type="body-text" class="text-center css-1fqwwkt e3r5m8y1" role="subtitle"></p></div><style data-emotion="css 197amq9">.css-197amq9{margin-left:4.267vw;margin-right:4.267vw;margin-top:6.7vw;height:51.467vw;}@media (min-width: 640px){.css-197amq9{margin-left:7vw;margin-right:7vw;margin-top:2.1vw;height:48.307vw;}}@media (min-width: 1024px){.css-197amq9{margin-left:23.889vw;margin-right:23.889vw;margin-bottom:0px;height:29.375vw;}}@media (min-width: 1920px){.css-197amq9{margin-left:auto;margin-right:auto;height:540px;width:960px;}}</style><div data-cy-eyes="ignore" class="css-197amq9 e1dht2ft4"><style data-emotion="css 1kzq5ms">.css-1kzq5ms{height:100%;width:100%;}</style><iframe id="videoPlayer" src="https://www.youtube.com/embed/acobv8Akzcg?enablejsapi=1&rel=0" title="YouTube video player" frameBorder="0" allow="accelerometer; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen="" class="css-1kzq5ms entnesf0"></iframe></div></div></div><div ni-selector="6-dynamic_lob_coverage_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="dynamic-lob_coverage"><style data-emotion="css epqq3a">.css-epqq3a{padding:4.3vw;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-epqq3a{padding-bottom:0px;}}</style><div class="css-epqq3a eu1lgzv3"><style data-emotion="css vlowki">.css-vlowki{margin-left:auto;margin-right:auto;margin-top:3.5vw;margin-bottom:3.5vw;height:auto;width:84.4vw;text-align:center;font-family:GT Alpina,sans-serif;font-size:7.467vw;line-height:115%;letter-spacing:-.03em;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));}@media (min-width: 640px){.css-vlowki{width:70vw;font-size:3.646vw;}}@media (min-width: 1024px){.css-vlowki{margin-top:2vw;margin-bottom:2vw;width:50vw;font-size:2.778vw;}}@media (min-width: 1920px){.css-vlowki{font-size:40px;}}@media (min-width: 2500px){.css-vlowki{width:1050px;}}</style><div role="title" class="css-vlowki eu1lgzv2">Today’s special: Restaurant business insurance coverage without the hassle</div><style data-emotion="css 1yvssy7">.css-1yvssy7{margin-left:auto;margin-right:auto;height:auto;width:80%;text-align:center;font-family:Graphik Web,sans-serif;font-size:4.267vw;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));}@media (min-width: 640px){.css-1yvssy7{margin-bottom:0px;width:70vw;font-size:2.083vw;}}@media (min-width: 1024px){.css-1yvssy7{width:60vw;font-size:1.389vw;}}@media (min-width: 1920px){.css-1yvssy7{font-size:20px;}}@media (min-width: 2500px){.css-1yvssy7{width:841px;}}</style><div role="subtitle" class="css-1yvssy7 eu1lgzv1">We know what coverage options you need to help protect your small business and workers. Restaurant owners often consider these types of business insurance.</div></div><style data-emotion="css 1014xnn">.css-1014xnn{-webkit-column-gap:0;column-gap:0;--tw-bg-opacity:1;background-color:rgb(255 255 255 / var(--tw-bg-opacity));padding:4.267vw;}@media (min-width: 640px){.css-1014xnn{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-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;padding:7vw;}}@media (min-width: 1024px){.css-1014xnn{-webkit-column-gap:7.500vw;column-gap:7.500vw;padding:5.556vw;}}@media (min-width: 1920px){.css-1014xnn{-webkit-column-gap:108px;column-gap:108px;}}@media (min-width: 2500px){.css-1014xnn{margin-left:auto;margin-right:auto;width:1700px;}}@media (min-width: 640px){.css-1014xnn{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;}}</style><div class="css-1014xnn eu1lgzv13"><style data-emotion="css 1d08jvm">.css-1d08jvm{width:100%;}@media (min-width: 640px){.css-1d08jvm{width:48%;}}@media (min-width: 1024px){.css-1d08jvm{width:50%;}}</style><div class="css-1d08jvm eu1lgzv0"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/dynamic-card-gl-1.jpg.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/dynamic-card-gl-1.jpg" alt="General Liability insurance" loading="lazy" fetchpriority="auto"/></picture></div><style data-emotion="css 1c11r5v">.css-1c11r5v{margin-top:6.4vw;width:100%;}@media (min-width: 640px){.css-1c11r5v{margin-left:0;margin-right:0;margin-top:0px;width:52%;}}@media (min-width: 1024px){.css-1c11r5v{margin-left:0;margin-right:0;width:50%;}}@media (min-width: 2500px){.css-1c11r5v{margin-right:0px;}}</style><div class="css-1c11r5v eu1lgzv12"><style data-emotion="css q2ex1v">.css-q2ex1v{margin-bottom:5.33vw;}@media (min-width: 640px){.css-q2ex1v{margin-bottom:0;}}@media (min-width: 1024px){.css-q2ex1v{margin-bottom:0.417vw;}}@media (min-width: 1920px){.css-q2ex1v{margin-bottom:6px;}}</style><div class="css-q2ex1v eu1lgzv10"><style data-emotion="css 1y1nl5g">.css-1y1nl5g{font-family:GT Alpina,sans-serif;font-size:7.467vw;line-height:115%;letter-spacing:-0.03em;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-1y1nl5g{font-size:3.646vw;}}@media (min-width: 1024px){.css-1y1nl5g{font-size:2.778vw;}}@media (min-width: 1920px){.css-1y1nl5g{font-size:40px;}}</style><h3 type="h3-titles-alpina-reg" role="section-title-3" class="css-1y1nl5g e3r5m8y2">General Liability insurance</h3></div><style data-emotion="css 7m52p3">.css-7m52p3{margin-bottom:6.4vw;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(109 110 113 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-7m52p3{margin-bottom:1.563vw;font-size:2.083vw;}}@media (min-width: 1024px){.css-7m52p3{margin-bottom:1.250vw;font-size:1.389vw;}}@media (min-width: 1920px){.css-7m52p3{margin-bottom:12px;font-size:20px;}}</style><div role="section-subtitle-3" class="css-7m52p3 eu1lgzv11">For slip-and-fall injuries and damage to property you don’t own</div><style data-emotion="css 1cpd6n0">.css-1cpd6n0{margin-bottom:6.4vw;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-1cpd6n0{margin-bottom:3vw;font-size:2.083vw;}}@media (min-width: 1024px){.css-1cpd6n0{margin-bottom:2.18vw;font-size:1.389vw;}}@media (min-width: 1920px){.css-1cpd6n0{font-size:20px;}}@media (min-width: 2500px){.css-1cpd6n0{margin-bottom:36px;width:519px;}}</style><div role="section-description-3" class="css-1cpd6n0 eu1lgzv9">95% of small business owners purchase general liability. Restaurant liability insurance can provide financial help for many of the top risks for restaurant:</div><style data-emotion="css 1qly7jl">.css-1qly7jl{margin-bottom:2.78vw;font-family:Graphik Web,sans-serif;font-size:4.267vw;font-weight:600;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-1qly7jl{font-size:2.083vw;}}@media (min-width: 1024px){.css-1qly7jl{font-size:1.389vw;}}@media (min-width: 1920px){.css-1qly7jl{font-size:20px;}}</style><p class="css-1qly7jl eu1lgzv5"><style data-emotion="css kff9ir">.css-kff9ir{text-transform:capitalize;}</style><span class="css-kff9ir eu1lgzv4">general liability</span> can help you pay for:</p><style data-emotion="css 19gudl5">.css-19gudl5{margin-bottom:7vw;margin-top:4vw;}@media (min-width: 640px){.css-19gudl5{margin-bottom:4vw;margin-top:2vw;}}@media (min-width: 1024px){.css-19gudl5{margin-bottom:2.8vw;margin-top:1.3vw;}}@media (min-width: 2500px){.css-19gudl5{margin-bottom:26px;margin-top:0px;}}</style><div class="css-19gudl5 eu1lgzv7"><style data-emotion="css j2oeno">.css-j2oeno{margin-bottom:3px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}@media (min-width: 2500px){.css-j2oeno{margin-bottom:0.5rem;}}</style><div class="css-j2oeno eu1lgzv8"><style data-emotion="css 1lw3f4f">.css-1lw3f4f{height:10.667vw;width:10.667vw;}@media (min-width: 640px){.css-1lw3f4f{height:5.208vw;width:5.208vw;}}@media (min-width: 1024px){.css-1lw3f4f{height:2.6vw;width:2.6vw;}}@media (min-width: 2500px){.css-1lw3f4f{height:30px;width:30px;}}</style><svg width="49" height="48" viewBox="0 0 49 48" fill="none" xmlns="http://www.w3.org/2000/svg" class="css-1lw3f4f e10b8g5f0"><circle cx="24.5" cy="24" r="19.5" stroke="#231F20"></circle><path d="M13.8936 24.5356L20.9646 31.6067L35.1068 17.4646" stroke="#231F20" stroke-linecap="round"></path></svg><style data-emotion="css al3wpe">.css-al3wpe{margin-left:1.250vw;margin-top:10px;width:80%;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-al3wpe{margin-top:0.278vw;font-size:2.083vw;}}@media (min-width: 1024px){.css-al3wpe{font-size:1.389vw;}}@media (min-width: 1920px){.css-al3wpe{font-size:20px;}}@media (min-width: 2500px){.css-al3wpe{margin-top:0px;}}</style><div role="line-3-0" class="css-al3wpe eu1lgzv6"><div class="css-1vhugkq eta8xj40">Medical payments</div></div></div><div class="css-j2oeno eu1lgzv8"><svg width="49" height="48" viewBox="0 0 49 48" fill="none" xmlns="http://www.w3.org/2000/svg" class="css-1lw3f4f e10b8g5f0"><circle cx="24.5" cy="24" r="19.5" stroke="#231F20"></circle><path d="M13.8936 24.5356L20.9646 31.6067L35.1068 17.4646" stroke="#231F20" stroke-linecap="round"></path></svg><div role="line-3-1" class="css-al3wpe eu1lgzv6"><div class="css-1vhugkq eta8xj40">Damage to property you don’t own</div></div></div><div class="css-j2oeno eu1lgzv8"><svg width="49" height="48" viewBox="0 0 49 48" fill="none" xmlns="http://www.w3.org/2000/svg" class="css-1lw3f4f e10b8g5f0"><circle cx="24.5" cy="24" r="19.5" stroke="#231F20"></circle><path d="M13.8936 24.5356L20.9646 31.6067L35.1068 17.4646" stroke="#231F20" stroke-linecap="round"></path></svg><div role="line-3-2" class="css-al3wpe eu1lgzv6"><div class="css-1vhugkq eta8xj40">Legal fees and judgments</div></div></div><div class="css-j2oeno eu1lgzv8"><svg width="49" height="48" viewBox="0 0 49 48" fill="none" xmlns="http://www.w3.org/2000/svg" class="css-1lw3f4f e10b8g5f0"><circle cx="24.5" cy="24" r="19.5" stroke="#231F20"></circle><path d="M13.8936 24.5356L20.9646 31.6067L35.1068 17.4646" stroke="#231F20" stroke-linecap="round"></path></svg><div role="line-3-3" class="css-al3wpe eu1lgzv6"><div class="css-1vhugkq eta8xj40">Employment practices liability </div></div></div></div><div><a target="_self" role="btn-3" href="/general-liability-insurance/"><style data-emotion="css uiex7">.css-uiex7{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-text-opacity:1;color:rgb(0 0 0 / 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 0 0 / var(--tw-border-opacity));}.css-uiex7:focus{outline:2px solid transparent;outline-offset:2px;}.css-uiex7:hover{--tw-bg-opacity:1;background-color:rgb(0 0 0 / var(--tw-bg-opacity));}.css-uiex7:hover{--tw-text-opacity:1;color:rgb(255 255 255 / var(--tw-text-opacity));}@media (min-width: 640px){.css-uiex7{line-height:1rem;}}@media (min-width: 1024px){.css-uiex7{font-size:1.25rem;line-height:1rem;}}@media (min-width: 640px){.css-uiex7{height:40px;padding-left:30px;padding-right:30px;}}@media (min-width: 1024px){.css-uiex7{height:52px;padding-left:36px;padding-right:36px;}}</style><button class="group css-uiex7 eb5jaud17"><style data-emotion="css xn95gk">.css-xn95gk{display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;}@media (max-width: 639px){.css-xn95gk{padding-left:0.5rem;}}</style><span class="css-xn95gk eb5jaud2"><span>Learn more</span><style data-emotion="css 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640px){.css-11ople{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-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;padding:7vw;}}@media (min-width: 1024px){.css-11ople{-webkit-column-gap:7.500vw;column-gap:7.500vw;padding:5.556vw;}}@media (min-width: 1920px){.css-11ople{-webkit-column-gap:108px;column-gap:108px;}}@media (min-width: 2500px){.css-11ople{margin-left:auto;margin-right:auto;width:1700px;}}@media (min-width: 640px){.css-11ople{-webkit-flex-direction:row-reverse;-ms-flex-direction:row-reverse;flex-direction:row-reverse;}}</style><div class="css-11ople eu1lgzv13"><div class="css-1d08jvm eu1lgzv0"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/dynamic-card-wc.jpg.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/dynamic-card-wc.jpg" alt="Workers' Compensation insurance" loading="lazy" fetchpriority="auto"/></picture></div><div class="css-1c11r5v eu1lgzv12"><div class="css-q2ex1v eu1lgzv10"><h3 type="h3-titles-alpina-reg" role="section-title-4" class="css-1y1nl5g e3r5m8y2">Workers' Compensation insurance</h3></div><div role="section-subtitle-4" class="css-7m52p3 eu1lgzv11">Often required if you have employees</div><div role="section-description-4" class="css-1cpd6n0 eu1lgzv9">Workers’ compensation insurance can help pay for medical expenses and lost wages after a workplace injury — and it’s often required if you have employees.</div><p class="css-1qly7jl eu1lgzv5"><span class="css-kff9ir eu1lgzv4">workers compensation</span> can help you pay for:</p><div class="css-19gudl5 eu1lgzv7"><div class="css-j2oeno eu1lgzv8"><svg width="49" height="48" viewBox="0 0 49 48" fill="none" xmlns="http://www.w3.org/2000/svg" class="css-1lw3f4f e10b8g5f0"><circle cx="24.5" cy="24" r="19.5" stroke="#231F20"></circle><path d="M13.8936 24.5356L20.9646 31.6067L35.1068 17.4646" stroke="#231F20" stroke-linecap="round"></path></svg><div role="line-4-0" class="css-al3wpe eu1lgzv6"><div class="css-1vhugkq eta8xj40">Medical expenses</div></div></div><div class="css-j2oeno eu1lgzv8"><svg width="49" height="48" viewBox="0 0 49 48" fill="none" xmlns="http://www.w3.org/2000/svg" class="css-1lw3f4f e10b8g5f0"><circle cx="24.5" cy="24" r="19.5" stroke="#231F20"></circle><path d="M13.8936 24.5356L20.9646 31.6067L35.1068 17.4646" stroke="#231F20" stroke-linecap="round"></path></svg><div role="line-4-1" class="css-al3wpe eu1lgzv6"><div class="css-1vhugkq eta8xj40">Lost wages</div></div></div><div class="css-j2oeno eu1lgzv8"><svg width="49" height="48" viewBox="0 0 49 48" fill="none" xmlns="http://www.w3.org/2000/svg" class="css-1lw3f4f e10b8g5f0"><circle cx="24.5" cy="24" r="19.5" stroke="#231F20"></circle><path d="M13.8936 24.5356L20.9646 31.6067L35.1068 17.4646" stroke="#231F20" stroke-linecap="round"></path></svg><div role="line-4-2" class="css-al3wpe eu1lgzv6"><div class="css-1vhugkq eta8xj40">Employer liability</div></div></div></div><div><a target="_self" role="btn-4" href="/workers-compensation-insurance/"><button class="group css-uiex7 eb5jaud17"><span class="css-xn95gk eb5jaud2"><span>Learn more</span><svg width="27" height="17" viewBox="0 0 27 17" xmlns="http://www.w3.org/2000/svg" class="css-fmzxpn eb5jaud1"><path d="M19.21 0L18.5651 0.741256L25.0921 7.76524L0.625 7.76524L0.625 8.79708L25.0049 8.79708L18.5672 15.5678L19.2057 16.3176L26.875 8.25164L19.21 0Z" class="css-1912bx2 e1xe0thd0"></path></svg></span></button></a></div></div></div><div class="css-1014xnn eu1lgzv13"><div class="css-1d08jvm eu1lgzv0"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2023/05/dynamic-card-bop-1.jpg.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2023/05/dynamic-card-bop-1.jpg" alt="Business Owner’s Policy (BOP)" loading="lazy" fetchpriority="auto"/></picture></div><div class="css-1c11r5v eu1lgzv12"><div class="css-q2ex1v eu1lgzv10"><h3 type="h3-titles-alpina-reg" role="section-title-5" class="css-1y1nl5g e3r5m8y2">Business Owner’s Policy (BOP)</h3></div><div role="section-subtitle-5" class="css-7m52p3 eu1lgzv11">Financial help after customer injuries and property damage</div><div role="section-description-5" class="css-1cpd6n0 eu1lgzv9">A business owner’s policy includes liability coverage from commercial general liability and commercial property insurance to help protect you and your business from losses related to:</div><p class="css-1qly7jl eu1lgzv5"><span class="css-kff9ir eu1lgzv4">business owners policy</span> can help you pay for:</p><div class="css-19gudl5 eu1lgzv7"><div class="css-j2oeno eu1lgzv8"><svg width="49" height="48" viewBox="0 0 49 48" fill="none" xmlns="http://www.w3.org/2000/svg" class="css-1lw3f4f e10b8g5f0"><circle cx="24.5" cy="24" r="19.5" stroke="#231F20"></circle><path d="M13.8936 24.5356L20.9646 31.6067L35.1068 17.4646" stroke="#231F20" stroke-linecap="round"></path></svg><div role="line-5-0" class="css-al3wpe eu1lgzv6"><div class="css-1vhugkq eta8xj40">Customer injuries (a.k.a bodily injury)</div></div></div><div class="css-j2oeno eu1lgzv8"><svg width="49" height="48" viewBox="0 0 49 48" fill="none" xmlns="http://www.w3.org/2000/svg" class="css-1lw3f4f e10b8g5f0"><circle cx="24.5" cy="24" r="19.5" stroke="#231F20"></circle><path d="M13.8936 24.5356L20.9646 31.6067L35.1068 17.4646" stroke="#231F20" stroke-linecap="round"></path></svg><div role="line-5-1" class="css-al3wpe eu1lgzv6"><div class="css-1vhugkq eta8xj40"> Property damage</div></div></div><div class="css-j2oeno eu1lgzv8"><svg width="49" height="48" viewBox="0 0 49 48" fill="none" xmlns="http://www.w3.org/2000/svg" class="css-1lw3f4f e10b8g5f0"><circle cx="24.5" cy="24" r="19.5" stroke="#231F20"></circle><path d="M13.8936 24.5356L20.9646 31.6067L35.1068 17.4646" stroke="#231F20" stroke-linecap="round"></path></svg><div role="line-5-2" class="css-al3wpe eu1lgzv6"><div class="css-1vhugkq eta8xj40"> Food contamination</div></div></div><div class="css-j2oeno eu1lgzv8"><svg width="49" height="48" viewBox="0 0 49 48" fill="none" xmlns="http://www.w3.org/2000/svg" class="css-1lw3f4f e10b8g5f0"><circle cx="24.5" cy="24" r="19.5" stroke="#231F20"></circle><path d="M13.8936 24.5356L20.9646 31.6067L35.1068 17.4646" stroke="#231F20" stroke-linecap="round"></path></svg><div role="line-5-3" class="css-al3wpe eu1lgzv6"><div class="css-1vhugkq eta8xj40"> Business income interruption</div></div></div><div class="css-j2oeno eu1lgzv8"><svg width="49" height="48" viewBox="0 0 49 48" fill="none" xmlns="http://www.w3.org/2000/svg" class="css-1lw3f4f e10b8g5f0"><circle cx="24.5" cy="24" r="19.5" stroke="#231F20"></circle><path d="M13.8936 24.5356L20.9646 31.6067L35.1068 17.4646" stroke="#231F20" stroke-linecap="round"></path></svg><div role="line-5-4" class="css-al3wpe eu1lgzv6"><div class="css-1vhugkq eta8xj40"> Equipment breakdown coverage</div></div></div></div><div><a target="_self" role="btn-5" href="https://www.nextinsurance.com/business-owners-policy/"><button class="group css-uiex7 eb5jaud17"><span class="css-xn95gk eb5jaud2"><span>Learn more</span><svg width="27" height="17" viewBox="0 0 27 17" xmlns="http://www.w3.org/2000/svg" class="css-fmzxpn eb5jaud1"><path d="M19.21 0L18.5651 0.741256L25.0921 7.76524L0.625 7.76524L0.625 8.79708L25.0049 8.79708L18.5672 15.5678L19.2057 16.3176L26.875 8.25164L19.21 0Z" class="css-1912bx2 e1xe0thd0"></path></svg></span></button></a></div></div></div><div class="css-11ople eu1lgzv13"><div class="css-1d08jvm eu1lgzv0"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2023/05/dynamic-card-ll-1.jpg.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2023/05/dynamic-card-ll-1.jpg" alt="Liquor Liability insurance" loading="lazy" fetchpriority="auto"/></picture></div><div class="css-1c11r5v eu1lgzv12"><div class="css-q2ex1v eu1lgzv10"><h3 type="h3-titles-alpina-reg" role="section-title-6" class="css-1y1nl5g e3r5m8y2">Liquor Liability insurance</h3></div><div role="section-subtitle-6" class="css-7m52p3 eu1lgzv11">You could be liable for alcohol consumption at your business</div><div role="section-description-6" class="css-1cpd6n0 eu1lgzv9">If you serve alcohol, you could be held responsible if a guest injures themselves, someone else or causes property damage. </div><p class="css-1qly7jl eu1lgzv5"><span class="css-kff9ir eu1lgzv4">liquor liability</span> can help you pay for:</p><div class="css-19gudl5 eu1lgzv7"><div class="css-j2oeno eu1lgzv8"><svg width="49" height="48" viewBox="0 0 49 48" fill="none" xmlns="http://www.w3.org/2000/svg" class="css-1lw3f4f e10b8g5f0"><circle cx="24.5" cy="24" r="19.5" stroke="#231F20"></circle><path d="M13.8936 24.5356L20.9646 31.6067L35.1068 17.4646" stroke="#231F20" stroke-linecap="round"></path></svg><div role="line-6-0" class="css-al3wpe eu1lgzv6"><div class="css-1vhugkq eta8xj40">Injuries</div></div></div><div class="css-j2oeno eu1lgzv8"><svg width="49" height="48" viewBox="0 0 49 48" fill="none" xmlns="http://www.w3.org/2000/svg" class="css-1lw3f4f e10b8g5f0"><circle cx="24.5" cy="24" r="19.5" stroke="#231F20"></circle><path d="M13.8936 24.5356L20.9646 31.6067L35.1068 17.4646" stroke="#231F20" stroke-linecap="round"></path></svg><div role="line-6-1" class="css-al3wpe eu1lgzv6"><div class="css-1vhugkq eta8xj40"> Property damage</div></div></div><div class="css-j2oeno eu1lgzv8"><svg width="49" height="48" viewBox="0 0 49 48" fill="none" xmlns="http://www.w3.org/2000/svg" class="css-1lw3f4f e10b8g5f0"><circle cx="24.5" cy="24" r="19.5" stroke="#231F20"></circle><path d="M13.8936 24.5356L20.9646 31.6067L35.1068 17.4646" stroke="#231F20" stroke-linecap="round"></path></svg><div role="line-6-2" class="css-al3wpe eu1lgzv6"><div class="css-1vhugkq eta8xj40"> Legal fees and medical payments</div></div></div></div><div><a target="_self" role="btn-6" href="https://www.nextinsurance.com/liquor-liability-insurance/"><button class="group css-uiex7 eb5jaud17"><span class="css-xn95gk eb5jaud2"><span>Learn more</span><svg width="27" height="17" viewBox="0 0 27 17" xmlns="http://www.w3.org/2000/svg" class="css-fmzxpn eb5jaud1"><path d="M19.21 0L18.5651 0.741256L25.0921 7.76524L0.625 7.76524L0.625 8.79708L25.0049 8.79708L18.5672 15.5678L19.2057 16.3176L26.875 8.25164L19.21 0Z" class="css-1912bx2 e1xe0thd0"></path></svg></span></button></a></div></div></div></div><div ni-selector="7-reviews_manual" style="content-visibility:auto;contain-intrinsic-size:300px" id="reviews-manual"><div data-testid="reviewsManual" class="css-1rey6qt efcqzy67"><div class="w-full flex flex-col space-y-10 items-center justify-center 3xl:w-largeScreenWidth 3xl:mx-auto"><style data-emotion="css u1k1av">.css-u1k1av{margin-left:auto;margin-right:auto;text-align:center;font-family:GT Alpina,sans-serif;font-size:3.75rem;line-height:1;font-weight:400;}</style><h2 data-testid="moduleTitle" class="css-u1k1av e19dazxw1">10,000 restaurant owners trust NEXT</h2><div class="w-full flex flex-col lg:flex-row gap-x-10 flex-nowrap"><div class="inline-flex flex-col flex-1 items-center content-center space-y-6 lg:w-1/3 mb-12 lg:mb-0"><div data-cy-eyes="ignore"><img alt="" loading="lazy" width="113" height="113" decoding="async" data-nimg="1" style="color:transparent;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 113 113'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='/img/Loader.gif'/%3E%3C/svg%3E")" srcSet="/_next/image/?url=https%3A%2F%2Fwww.nextinsurance.com%2Fwp-content%2Fuploads%2F2022%2F09%2Freview-avatar-4.png&w=128&q=75 1x, /_next/image/?url=https%3A%2F%2Fwww.nextinsurance.com%2Fwp-content%2Fuploads%2F2022%2F09%2Freview-avatar-4.png&w=256&q=75 2x" src="/_next/image/?url=https%3A%2F%2Fwww.nextinsurance.com%2Fwp-content%2Fuploads%2F2022%2F09%2Freview-avatar-4.png&w=256&q=75"/></div><div data-testid="textWithQuoteShape" class="w-auto flex flex-col gap-y-0 relative"><svg data-testid="quoteOpen" class="" width="39" height="29" viewBox="0 0 39 29" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M17.3333 0C6.2451 0 0 6.80088 0 16.9381C0 24.5089 3.44118 29 9.43137 29C13.8922 29 17.0784 25.9204 17.0784 21.6858C17.0784 17.4513 14.2745 14.7566 10.451 14.7566C8.66667 14.7566 7.13725 15.1416 5.60784 15.9115C5.35294 9.36725 9.43137 4.36283 17.3333 4.36283V0ZM39 0C27.9118 0 21.6667 6.80088 21.6667 16.9381C21.6667 24.5089 25.1078 29 31.098 29C35.5588 29 38.7451 25.9204 38.7451 21.6858C38.7451 17.4513 35.9412 14.7566 32.1176 14.7566C30.3333 14.7566 28.8039 15.1416 27.2745 15.9115C27.0196 9.36725 31.098 4.36283 39 4.36283V0Z" fill="#DCF000"></path></svg><span class="mx-1vw w-auto text-center flex flex-col"><div class="font-graphik font-bold text-1.5 mb-2 break-normal">Simple process</div><div class="font-graphik font-400 text-1.25">Love my new insurance company. The process to get started is very simple. This insurance is the most affordable I've had in the last 4 years!</div><div class="font-graphik font-400 text-1.25 mt-6">Adrian S.</div></span></div><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-wholeyellow" x1="0%" y1="0%" x2="100%" y2="0%"><stop offset="0%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="25%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="25%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="50%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="50%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="75%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="75%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="100%" stop-color="#DCF000" stop-opacity="1"></stop></linearGradient></defs><path stroke="#DCF000" 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They make it easy. They have whatever coverage you need.</div><div class="font-graphik font-400 text-1.25 mt-6">Idris H.</div></span></div><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-wholeyellow" x1="0%" y1="0%" x2="100%" y2="0%"><stop offset="0%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="25%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="25%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="50%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="50%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="75%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="75%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="100%" stop-color="#DCF000" stop-opacity="1"></stop></linearGradient></defs><path stroke="#DCF000" stroke-width="1.09809" 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16.9381C0 24.5089 3.44118 29 9.43137 29C13.8922 29 17.0784 25.9204 17.0784 21.6858C17.0784 17.4513 14.2745 14.7566 10.451 14.7566C8.66667 14.7566 7.13725 15.1416 5.60784 15.9115C5.35294 9.36725 9.43137 4.36283 17.3333 4.36283V0ZM39 0C27.9118 0 21.6667 6.80088 21.6667 16.9381C21.6667 24.5089 25.1078 29 31.098 29C35.5588 29 38.7451 25.9204 38.7451 21.6858C38.7451 17.4513 35.9412 14.7566 32.1176 14.7566C30.3333 14.7566 28.8039 15.1416 27.2745 15.9115C27.0196 9.36725 31.098 4.36283 39 4.36283V0Z" fill="#DCF000"></path></svg><span class="mx-1vw w-auto text-center flex flex-col"><div class="font-graphik font-bold text-1.5 mb-2 break-normal">NEXT Insurance for small businesses</div><div class="font-graphik font-400 text-1.25">This place is awesome and very affordable. Without NEXT I'd be paying an arm and a leg somewhere else. NEXT, THANK YOU so very very much.</div><div class="font-graphik font-400 text-1.25 mt-6">Jonathan W.</div></span></div><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-wholeyellow" x1="0%" y1="0%" x2="100%" y2="0%"><stop offset="0%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="25%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="25%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="50%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="50%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="75%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="75%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="100%" stop-color="#DCF000" stop-opacity="1"></stop></linearGradient></defs><path stroke="#DCF000" stroke-width="1.09809" 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1024px){.css-12fzxrh{padding-left:80px;padding-right:80px;}}</style><style data-emotion="css pltsxd">.css-pltsxd{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;place-items:center;padding:4.2vw;--tw-bg-opacity:1;background-color:rgb(229 254 255 / var(--tw-bg-opacity));padding-top:24px;padding-bottom:24px;padding-left:16px;padding-right:16px;}@media (min-width: 640px){.css-pltsxd{-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;padding:7.8vw;}}@media (min-width: 1024px){.css-pltsxd{padding:5.5vw;}}@media (min-width: 768px){.css-pltsxd{padding-top:40px;padding-bottom:40px;}}@media (min-width: 1024px){.css-pltsxd{padding-top:80px;padding-bottom:80px;}}@media (min-width: 768px){.css-pltsxd{padding-left:60px;padding-right:60px;}}@media (min-width: 1024px){.css-pltsxd{padding-left:80px;padding-right:80px;}}</style><div data-cy="CoveragePlanContainer" data-testid="coveragePlansModules" class="e1g6j5e0 css-pltsxd e153714v0"><style data-emotion="css 1y8ilbz">.css-1y8ilbz{margin-left:auto;margin-right:auto;text-align:center;font-family:GT Alpina,sans-serif;font-size:3.75rem;line-height:1;font-weight:400;text-align:center;font-size:7.467vw;line-height:115%;letter-spacing:-0.03em;margin-bottom:24px;--tw-text-opacity:1;color:rgb(0 0 0 / var(--tw-text-opacity));}@media (min-width: 768px){.css-1y8ilbz{width:60vw;}}@media (min-width: 1024px){.css-1y8ilbz{width:65.972vw;}}@media (min-width: 1920px){.css-1y8ilbz{width:1700px;}}@media (min-width: 640px){.css-1y8ilbz{font-size:3.646vw;}}@media (min-width: 1024px){.css-1y8ilbz{font-size:2.778vw;}}@media (min-width: 1920px){.css-1y8ilbz{font-size:40px;}}@media (min-width: 768px){.css-1y8ilbz{margin-bottom:20px;}}@media (min-width: 1024px){.css-1y8ilbz{margin-bottom:24px;}}</style><h2 class="css-1y8ilbz e1g6j5e1">You can save up to 25% in discounts on restaurant insurance*</h2><style data-emotion="css 1jd9esu">.css-1jd9esu{margin-left:auto;margin-right:auto;font-family:GT Alpina,sans-serif;font-size:2.25rem;line-height:2.5rem;font-weight:400;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));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;margin-bottom:24px;--tw-text-opacity:1;color:rgb(0 0 0 / var(--tw-text-opacity));}@media (min-width: 640px){.css-1jd9esu{font-size:2.083vw;}}@media (min-width: 1024px){.css-1jd9esu{font-size:1.389vw;}}@media (min-width: 1920px){.css-1jd9esu{font-size:20px;}}@media (min-width: 768px){.css-1jd9esu{margin-bottom:20px;}}@media (min-width: 1024px){.css-1jd9esu{margin-bottom:24px;}}</style><h3 class="css-1jd9esu e1g6j5e2">Flexible billing plans to keep your cash flow healthy (even if your menu isn't!).</h3><style data-emotion="css v9ijqv">.css-v9ijqv{margin-left:auto;margin-right:auto;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:0px;text-align:center;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;margin-bottom:80px;}@media (min-width: 768px){.css-v9ijqv{-webkit-align-items:stretch;-webkit-box-align:stretch;-ms-flex-align:stretch;align-items:stretch;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;}}@media (min-width: 768px){.css-v9ijqv{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;}}@media (min-width: 768px){.css-v9ijqv{-webkit-box-flex-wrap:wrap;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;}}@media (min-width: 1024px){.css-v9ijqv{-webkit-box-flex-wrap:nowrap;-webkit-flex-wrap:nowrap;-ms-flex-wrap:nowrap;flex-wrap:nowrap;}}@media (min-width: 768px){.css-v9ijqv{margin-bottom:50px;}}@media (min-width: 1024px){.css-v9ijqv{margin-bottom:80px;}}.css-v9ijqv >div{width:345px;}@media (min-width: 768px){.css-v9ijqv >div{width:315px;}}@media (min-width: 1024px){.css-v9ijqv >div{width:411px;}}.css-v9ijqv >div:nth-of-type(2){margin-top:20px;margin-bottom:20px;}@media (min-width: 768px){.css-v9ijqv >div:nth-of-type(2){margin-top:0px;margin-bottom:0px;margin-left:17px;}}@media (min-width: 1024px){.css-v9ijqv >div:nth-of-type(2){margin-left:24px;margin-right:24px;}}.css-v9ijqv >div:nth-of-type(2)>div:nth-of-type(2){--tw-text-opacity:1;color:rgb(0 117 255 / var(--tw-text-opacity));}@media (min-width: 768px){.css-v9ijqv >div:nth-of-type(3){margin-top:20px;}}@media (min-width: 1024px){.css-v9ijqv >div:nth-of-type(3){margin-top:0px;}}</style><div class="css-v9ijqv e1g6j5e4"><style data-emotion="css 1wfn5kr">.css-1wfn5kr{box-sizing:border-box;display:-webkit-inline-box;display:-webkit-inline-flex;display:-ms-inline-flexbox;display:inline-flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;border-radius:0.5rem;border-width:2px;--tw-border-opacity:1;border-color:rgb(0 0 0 / var(--tw-border-opacity));padding:24px;padding-bottom:40px;--tw-bg-opacity:1;background-color:rgb(255 255 255 / var(--tw-bg-opacity));}</style><div data-testid="CoveragePlanContainerId" class="css-1wfn5kr e1c8hukq6"><style data-emotion="css 19ffdwy">.css-19ffdwy{display:block;text-align:center;font-family:Graphik Web,sans-serif;font-size:4.267vw;font-weight:600;text-transform:capitalize;}@media (min-width: 640px){.css-19ffdwy{font-size:2.083vw;}}@media (min-width: 1024px){.css-19ffdwy{font-size:1.389vw;}}@media (min-width: 1920px){.css-19ffdwy{font-size:20px;}}</style><div class="css-19ffdwy e1c8hukq1">Basic</div><style data-emotion="css g23cra">.css-g23cra{margin-left:auto;margin-right:auto;margin-bottom:36px;width:100%;border-bottom-width:1px;border-color:rgba(0,0,0,0.3);padding-bottom:1.5rem;text-align:center;font-family:GT Alpina,sans-serif;font-size:7.467vw;font-weight:400;text-transform:capitalize;letter-spacing:-0.03em;}@media (min-width: 640px){.css-g23cra{font-size:3.646vw;}}@media (min-width: 1024px){.css-g23cra{font-size:1.944vw;}}@media (min-width: 1920px){.css-g23cra{text:28px;}}</style><div class="css-g23cra e1c8hukq0">Lowest Price</div><style data-emotion="css t0w3g6">.css-t0w3g6{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}.css-t0w3g6 >:not([hidden])~:not([hidden]){--tw-space-y-reverse:0;margin-top:calc(1.5rem * calc(1 - var(--tw-space-y-reverse)));margin-bottom:calc(1.5rem * var(--tw-space-y-reverse));}</style><div class="css-t0w3g6 e1c8hukq2"><style data-emotion="css qta81m">.css-qta81m{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}@media (min-width: 1280px){.css-qta81m >div:nth-of-type(2){-webkit-box-flex:1;-webkit-flex-grow:1;-ms-flex-positive:1;flex-grow:1;}}</style><div data-testid="CoveragePlanLimit" class="css-qta81m e1c8hukq7"><style data-emotion="css 1awnxvj">.css-1awnxvj{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;-webkit-align-content:center;-ms-flex-line-pack:center;align-content:center;-webkit-box-pack:start;-ms-flex-pack:start;-webkit-justify-content:flex-start;justify-content:flex-start;}</style><div class="css-1awnxvj e1c8hukq9"><style data-emotion="css krgjj0">.css-krgjj0{margin-right:16px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:2.5rem;width:2.5rem;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;place-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;border-radius:1.5rem;border-width:1px;}</style><div class="border-black css-krgjj0 e1c8hukq10"><svg data-testid="CheckMarkShapeTestId" width="23" height="17" viewBox="0 0 23 17" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M0.892578 8.53564L7.96365 15.6067L22.1058 1.46458" stroke="#000000" stroke-linecap="round"></path></svg></div><style data-emotion="css 559c5c">.css-559c5c{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;text-align:left;font-size:4.800vw;font-weight:700;}@media (min-width: 640px){.css-559c5c{font-size:2.344vw;}}@media (min-width: 1024px){.css-559c5c{font-size:1.389vw;}}@media (min-width: 1920px){.css-559c5c{font-size:20px;}}</style><div class="css-559c5c e1c8hukq5">General Liability</div></div><style data-emotion="css 1rbj7m8">.css-1rbj7m8{position:relative;top:-0.25rem;margin-bottom:auto;margin-top:0px;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;-webkit-box-pack:justify;-webkit-justify-content:space-between;justify-content:space-between;padding-left:56px;vertical-align:top;}</style><div class="css-1rbj7m8 e1c8hukq8"><style data-emotion="css 1ozn3wq">.css-1ozn3wq{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;font-size:4.267vw;}@media (min-width: 768px){.css-1ozn3wq{font-size:1.823vw;}}@media (min-width: 1024px){.css-1ozn3wq{font-size:1.250vw;}}@media (min-width: 1920px){.css-1ozn3wq{font-size:18px;}}</style><div class="css-1ozn3wq e1c8hukq4">Per occurrence</div><style data-emotion="css 1q5idos">.css-1q5idos{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;place-items:end;-webkit-align-self:flex-end;-ms-flex-item-align:flex-end;align-self:flex-end;font-size:4.267vw;}@media (min-width: 768px){.css-1q5idos{font-size:1.823vw;}}@media (min-width: 1024px){.css-1q5idos{font-size:20px;}}@media (min-width: 1920px){.css-1q5idos{font-size:18px;}}</style><div class="css-1q5idos e1c8hukq3">$500,000</div></div></div><div data-testid="CoveragePlanLimit" class="css-qta81m e1c8hukq7"><div class="css-1awnxvj e1c8hukq9"><div class="border-black css-krgjj0 e1c8hukq10"><svg data-testid="CheckMarkShapeTestId" width="23" height="17" viewBox="0 0 23 17" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M0.892578 8.53564L7.96365 15.6067L22.1058 1.46458" stroke="#000000" stroke-linecap="round"></path></svg></div><div class="css-559c5c e1c8hukq5">Professional Liability (E&O)</div></div><div class="css-1rbj7m8 e1c8hukq8"><div class="css-1ozn3wq e1c8hukq4">Per occurrence</div><div class="css-1q5idos e1c8hukq3">$250,000</div></div></div><div data-testid="CoveragePlanLimit" class="css-qta81m e1c8hukq7"><div class="css-1awnxvj e1c8hukq9"><div class="border-black css-krgjj0 e1c8hukq10"><svg data-testid="CheckMarkShapeTestId" width="23" height="17" viewBox="0 0 23 17" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M0.892578 8.53564L7.96365 15.6067L22.1058 1.46458" stroke="#000000" stroke-linecap="round"></path></svg></div><div class="css-559c5c e1c8hukq5">Workers’ Comp</div></div><div class="css-1rbj7m8 e1c8hukq8"><div class="css-1ozn3wq e1c8hukq4">Per accident</div><div class="css-1q5idos e1c8hukq3">$100,000</div></div></div><div data-testid="CoveragePlanLimit" class="css-qta81m e1c8hukq7"><div class="css-1awnxvj e1c8hukq9"><div class="border-black css-krgjj0 e1c8hukq10"><svg data-testid="CheckMarkShapeTestId" width="23" height="17" viewBox="0 0 23 17" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M0.892578 8.53564L7.96365 15.6067L22.1058 1.46458" stroke="#000000" stroke-linecap="round"></path></svg></div><div class="css-559c5c e1c8hukq5">Commercial Property</div></div><div class="css-1rbj7m8 e1c8hukq8"><div class="css-1ozn3wq e1c8hukq4">Per occurrence</div><div class="css-1q5idos e1c8hukq3">$25,000</div></div></div></div></div><div data-testid="CoveragePlanContainerId" class="css-1wfn5kr e1c8hukq6"><div class="css-19ffdwy e1c8hukq1">Pro</div><div class="css-g23cra e1c8hukq0">Most Popular</div><div class="css-t0w3g6 e1c8hukq2"><div data-testid="CoveragePlanLimit" class="css-qta81m e1c8hukq7"><div class="css-1awnxvj e1c8hukq9"><div class="border-black css-krgjj0 e1c8hukq10"><svg data-testid="CheckMarkShapeTestId" width="23" height="17" viewBox="0 0 23 17" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M0.892578 8.53564L7.96365 15.6067L22.1058 1.46458" stroke="#000000" stroke-linecap="round"></path></svg></div><div class="css-559c5c e1c8hukq5">General Liability</div></div><div class="css-1rbj7m8 e1c8hukq8"><div class="css-1ozn3wq e1c8hukq4">Per occurrence</div><div class="css-1q5idos e1c8hukq3">$1 million</div></div></div><div data-testid="CoveragePlanLimit" class="css-qta81m e1c8hukq7"><div class="css-1awnxvj e1c8hukq9"><div class="border-black css-krgjj0 e1c8hukq10"><svg data-testid="CheckMarkShapeTestId" width="23" height="17" viewBox="0 0 23 17" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M0.892578 8.53564L7.96365 15.6067L22.1058 1.46458" stroke="#000000" stroke-linecap="round"></path></svg></div><div class="css-559c5c e1c8hukq5">Professional Liability (E&O)</div></div><div class="css-1rbj7m8 e1c8hukq8"><div class="css-1ozn3wq e1c8hukq4">Per occurrence</div><div class="css-1q5idos e1c8hukq3">$1 million</div></div></div><div data-testid="CoveragePlanLimit" class="css-qta81m e1c8hukq7"><div class="css-1awnxvj e1c8hukq9"><div class="border-black css-krgjj0 e1c8hukq10"><svg data-testid="CheckMarkShapeTestId" width="23" height="17" viewBox="0 0 23 17" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M0.892578 8.53564L7.96365 15.6067L22.1058 1.46458" stroke="#000000" stroke-linecap="round"></path></svg></div><div class="css-559c5c e1c8hukq5">Workers’ Comp</div></div><div class="css-1rbj7m8 e1c8hukq8"><div class="css-1ozn3wq e1c8hukq4">Per accident</div><div class="css-1q5idos e1c8hukq3">$500,000</div></div></div><div data-testid="CoveragePlanLimit" class="css-qta81m e1c8hukq7"><div class="css-1awnxvj e1c8hukq9"><div class="border-black css-krgjj0 e1c8hukq10"><svg data-testid="CheckMarkShapeTestId" width="23" height="17" viewBox="0 0 23 17" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M0.892578 8.53564L7.96365 15.6067L22.1058 1.46458" stroke="#000000" stroke-linecap="round"></path></svg></div><div class="css-559c5c e1c8hukq5">Commercial Property</div></div><div class="css-1rbj7m8 e1c8hukq8"><div class="css-1ozn3wq e1c8hukq4">Per occurrence</div><div class="css-1q5idos e1c8hukq3">$25,000</div></div></div></div></div><div data-testid="CoveragePlanContainerId" class="css-1wfn5kr e1c8hukq6"><div class="css-19ffdwy e1c8hukq1">Pro Plus</div><div class="css-g23cra e1c8hukq0">Best Coverage</div><div class="css-t0w3g6 e1c8hukq2"><div data-testid="CoveragePlanLimit" class="css-qta81m e1c8hukq7"><div class="css-1awnxvj e1c8hukq9"><div class="border-black css-krgjj0 e1c8hukq10"><svg data-testid="CheckMarkShapeTestId" width="23" height="17" viewBox="0 0 23 17" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M0.892578 8.53564L7.96365 15.6067L22.1058 1.46458" stroke="#000000" stroke-linecap="round"></path></svg></div><div class="css-559c5c e1c8hukq5">General Liability</div></div><div class="css-1rbj7m8 e1c8hukq8"><div class="css-1ozn3wq e1c8hukq4">Per occurrence</div><div class="css-1q5idos e1c8hukq3">$1 million</div></div></div><div data-testid="CoveragePlanLimit" class="css-qta81m e1c8hukq7"><div class="css-1awnxvj e1c8hukq9"><div class="border-black css-krgjj0 e1c8hukq10"><svg data-testid="CheckMarkShapeTestId" width="23" height="17" viewBox="0 0 23 17" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M0.892578 8.53564L7.96365 15.6067L22.1058 1.46458" stroke="#000000" stroke-linecap="round"></path></svg></div><div class="css-559c5c e1c8hukq5">Professional Liability (E&O)</div></div><div class="css-1rbj7m8 e1c8hukq8"><div class="css-1ozn3wq e1c8hukq4">Per occurrence</div><div class="css-1q5idos e1c8hukq3">$1 million</div></div></div><div data-testid="CoveragePlanLimit" class="css-qta81m e1c8hukq7"><div class="css-1awnxvj e1c8hukq9"><div class="border-black css-krgjj0 e1c8hukq10"><svg data-testid="CheckMarkShapeTestId" width="23" height="17" viewBox="0 0 23 17" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M0.892578 8.53564L7.96365 15.6067L22.1058 1.46458" stroke="#000000" stroke-linecap="round"></path></svg></div><div class="css-559c5c e1c8hukq5">Workers’ Comp</div></div><div class="css-1rbj7m8 e1c8hukq8"><div class="css-1ozn3wq e1c8hukq4">Per accident</div><div class="css-1q5idos e1c8hukq3">$1 million</div></div></div><div data-testid="CoveragePlanLimit" class="css-qta81m e1c8hukq7"><div class="css-1awnxvj e1c8hukq9"><div class="border-black css-krgjj0 e1c8hukq10"><svg data-testid="CheckMarkShapeTestId" width="23" height="17" viewBox="0 0 23 17" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M0.892578 8.53564L7.96365 15.6067L22.1058 1.46458" stroke="#000000" stroke-linecap="round"></path></svg></div><div class="css-559c5c e1c8hukq5">Commercial Property</div></div><div class="css-1rbj7m8 e1c8hukq8"><div class="css-1ozn3wq e1c8hukq4">Per occurrence</div><div class="css-1q5idos e1c8hukq3">$25,000</div></div></div></div></div></div><style data-emotion="css 187sdm7">.css-187sdm7 >div{margin-bottom:0;}.css-187sdm7 >div>a>button>span{font-size:20px;}@media (min-width: 768px){.css-187sdm7 >div>a>button>span{font-size:14px;}}@media (min-width: 1024px){.css-187sdm7 >div>a>button>span{font-size:20px;}}.css-187sdm7 >div>a>button{padding-left:36px;padding-right:36px;}@media (min-width: 768px){.css-187sdm7 >div>a>button{padding-left:30px;padding-right:30px;}}@media (min-width: 1024px){.css-187sdm7 >div>a>button{padding-left:36px;padding-right:36px;}}.css-187sdm7 >div>a>button{padding-top:14.5px;padding-bottom:14.5px;}@media (min-width: 768px){.css-187sdm7 >div>a>button{padding-top:12px;padding-bottom:12px;}}@media (min-width: 1024px){.css-187sdm7 >div>a>button{padding-top:14.5px;padding-bottom:14.5px;}}</style><div class="css-187sdm7 e1g6j5e3"><div data-cy="plansMainCTAButton"><a target="_self" href="https://track.nextinsurance.com/links?serial=96027"><button class="group css-17uiwer eb5jaud17"><span>Check Our Prices</span></button></a></div></div></div></div><div ni-selector="10-mosaic_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="10-mosaic"><style data-emotion="css 767h84">.css-767h84{--tw-bg-opacity:1;background-color:rgb(229 254 255 / var(--tw-bg-opacity));}</style><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"><style data-emotion="css p0m1bl">.css-p0m1bl{height:auto;width:100%;}@media (min-width: 1920px){.css-p0m1bl{width:auto;}}@media (min-width: 640px){.css-p0m1bl{width:31.510vw;}}@media (min-width: 1024px){.css-p0m1bl{width:33.125vw;}}@media (min-width: 1920px){.css-p0m1bl{width:40%;}}</style><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 restaurant insurance cost?" 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">How much does restaurant insurance cost?</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>Your commercial restaurant insurance costs (a.k.a. <a href="https://www.nextinsurance.com/glossary/premium/">premiums</a>) can vary based on a number of factors, including:</p> <ul> <li aria-level="1">The type of restaurant (fine dining, casual, fast food, ghost kitchen etc.).</li> <li aria-level="1">Your restaurant location.</li> <li aria-level="1">Your payroll and what your employees do.</li> </ul> <p><a href="https://track.nextinsurance.com/links?serial=96027">Get a free restaurant insurance quote</a>. You’ll know exactly what your business will pay in under 5 minutes, and you can make a purchase 24/7.</p> </div></div><div data-cy="MosaicModuleCTAButton"><a target="_self" href="https://track.nextinsurance.com/links?serial=96027"><button class="group css-17uiwer eb5jaud17"><span>Get Instant Quote</span></button></a></div></div></div></div></div><div ni-selector="11-mosaic_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="11-mosaic"><div data-cy="MosaicModuleContainer" class="css-767h84 e1ormahl5"><style data-emotion="css 7n0avb">.css-7n0avb{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-7n0avb{-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-7n0avb{padding:5.5vw;}}@media (min-width: 1920px){.css-7n0avb{margin-left:auto;margin-right:auto;width:1700px;padding-top:6rem;padding-bottom:6rem;}}@media (min-width: 640px){.css-7n0avb{-webkit-column-gap:7.447vw;column-gap:7.447vw;}}@media (min-width: 1024px){.css-7n0avb{-webkit-column-gap:7.889vw;column-gap:7.889vw;}}@media (min-width: 1920px){.css-7n0avb{-webkit-column-gap:5%;column-gap:5%;}}@media (min-width: 640px){.css-7n0avb{-webkit-flex-direction:row-reverse;-ms-flex-direction:row-reverse;flex-direction:row-reverse;}}</style><div class="css-7n0avb e1ormahl4"><div class="css-p0m1bl e1ormahl2"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/questions-signup-yellow-orange-1.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/questions-signup-yellow-orange-1.png" alt="What business insurance is required for restaurants?" loading="lazy" fetchpriority="auto"/></picture></div><div class="css-1gxcrnk e1ormahl3"><h2 role="title" data-cy="MosaicTitle" class="css-yaqsty e1ormahl1">What business insurance is required for restaurants?</h2><div role="subtitle" data-cy="MosaicSubtitle" class="css-14z516 e1ormahl0"><div class="css-1vhugkq eta8xj40"><p><a href="https://www.nextinsurance.com/industry/restaurant-food-and-bar-insurance/">Food and beverage industry insurance</a> requirements vary by state law and different situations. Insurance for your restaurant business may be necessary to:</p> <ul> <li aria-level="1"><strong>Serve customers</strong>. Property owners and local governments might want you to have insurance like <a href="https://www.nextinsurance.com/general-liability-insurance/">general liability</a> or <a href="https://www.nextinsurance.com/workers-compensation-insurance/">workers’ compensation</a>.</li> <li aria-level="1"><strong>Hire employees</strong>. Many states require workers’ compensation if you have employees.</li> <li aria-level="1"><strong>Deliver, pick-up or drive for business</strong>. Business-owned vehicles typically need <a href="https://www.nextinsurance.com/commercial-auto-insurance/">commercial auto insurance</a>.</li> <li aria-level="1"><strong>Repair or replace property you own or rent</strong>. Protect your inventory, equipment and the building that you lease or own.</li> </ul> </div></div><div data-cy="MosaicModuleCTAButton"><a target="_self" href="https://track.nextinsurance.com/links?serial=96027"><button class="group css-17uiwer eb5jaud17"><span>Get Instant Quote</span></button></a></div></div></div></div></div><div ni-selector="12-mosaic_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="12-mosaic"><div data-cy="MosaicModuleContainer" class="css-767h84 e1ormahl5"><div class="css-14l247s e1ormahl4"><div class="css-p0m1bl e1ormahl2"><picture><source 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="Resources to help your restaurant business grow" loading="lazy" fetchpriority="auto"/></picture></div><div class="css-1gxcrnk e1ormahl3"><h2 role="title" data-cy="MosaicTitle" class="css-yaqsty e1ormahl1">Resources to help your restaurant business grow</h2><div role="subtitle" data-cy="MosaicSubtitle" class="css-14z516 e1ormahl0"><div class="css-1vhugkq eta8xj40"><p>Insurance is just a small part of running a food and beverage business. Visit the NEXT Restaurant Success Center to learn about:</p> <ul> <li aria-level="1"><a href="https://www.nextinsurance.com/blog/restaurant-licenses-permits/">Restaurant licenses and permits</a></li> <li aria-level="1"><a href="https://www.nextinsurance.com/blog/restaurant-digital-tools/">Digital tools for service, POS, scheduling and inventory</a></li> <li aria-level="1"><a href="https://www.nextinsurance.com/blog/restaurant-health-inspection/">Tips to ace your next health inspection</a></li> </ul> </div></div><div data-cy="MosaicModuleCTAButton"><a target="_self" href="https://www.nextinsurance.com/lps/restaurant-success-center/"><button class="group css-17uiwer eb5jaud17"><span>Visit the Restaurant Success Center</span></button></a></div></div></div></div></div><div ni-selector="13-faq_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="faq"><div data-cy="FAQModuleContainer" class="css-767h84 e1n7sr5610"><style data-emotion="css 1bn6ei5">.css-1bn6ei5{padding-left:5.556vw;padding-right:5.556vw;padding-top:5.556vw;padding-bottom:5.556vw;}@media (max-width: 639px){.css-1bn6ei5{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-1bn6ei5{padding-left:7vw;padding-right:7vw;padding-top:7.813vw;padding-bottom:7.813vw;}}@media (min-width: 1920px){.css-1bn6ei5{margin-left:auto;margin-right:auto;width:1700px;}}@media (min-width: 2500px){.css-1bn6ei5{padding-left:0px;padding-right:0px;padding-top:5rem;}}</style><div class="css-1bn6ei5 e1n7sr569"><style data-emotion="css 1x2rlal">.css-1x2rlal{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;text-align:center;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;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}@media (min-width: 640px){.css-1x2rlal{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;font-size:3.646vw;}}@media (min-width: 1024px){.css-1x2rlal{font-size:2.778vw;}}@media (min-width: 1920px){.css-1x2rlal{font-size:40px;}}@media (min-width: 640px){.css-1x2rlal{-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}}</style><div class="css-1x2rlal e1n7sr568"><h2 type="h2-titles-alpina-reg" class="w-full antialiased sm:w-faqTitleWidth text-center mb-12 mx-auto 4xl:mx-0 css-83gwoi e3r5m8y3" role="title">Frequently asked questions about business insurance</h2><style data-emotion="css 5ry25q">.css-5ry25q{margin-left:auto;margin-right:auto;margin-bottom:2.778vw;width:100%;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));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-5ry25q{width:58.75vw;font-size:2.083vw;}}@media (min-width: 1024px){.css-5ry25q{font-size:1.389vw;}}@media (max-width: 639px){.css-5ry25q{margin-bottom:6.400vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-5ry25q{margin-bottom:3.646vw;}}@media (min-width: 1920px){.css-5ry25q{font-size:20px;}}</style><p role="description" class="css-5ry25q e1n7sr566">Here are some of the most common questions we get about restaurant business insurance coverage. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.</p></div><style data-emotion="css iculqz">.css-iculqz{-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}</style><div class="css-iculqz e1n7sr564"><style data-emotion="css 4rwwzd">.css-4rwwzd{margin-bottom:1.944vw;border-radius:38px;border-width:1px;--tw-border-opacity:1;border-color:rgb(35 31 32 / var(--tw-border-opacity));--tw-bg-opacity:1;background-color:rgb(255 255 255 / var(--tw-bg-opacity));padding:6.400vw 6.400vw 6.400vw 8.533vw;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:background-color;transition-timing-function:cubic-bezier(0.4, 0, 0.2, 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Alpina,sans-serif;font-size:7.467vw;line-height:115%;letter-spacing:-0.03em;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-1vmveuw{font-size:3.646vw;}}@media (min-width: 1024px){.css-1vmveuw{font-size:1.944vw;}}@media (min-width: 1920px){.css-1vmveuw{font-size:28px;}}</style><h2 type="h2-titles-alpina-sm" class="w-11/12 css-1vmveuw e3r5m8y3" role="t-0">How does business insurance protect restaurants?</h2><style data-emotion="css v8s5na">.css-v8s5na{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);--tw-rotate:225deg;-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));}@media (min-width: 640px){.css-v8s5na{height:2vw;width:2vw;}}@media (min-width: 1024px){.css-v8s5na{height:1.389vw;width:1.389vw;}}.css-v8s5na:hover{--tw-bg-opacity:1;background-color:rgb(255 255 255 / var(--tw-bg-opacity));}</style><button aria-expanded="true" aria-label="How does business insurance protect restaurants?" class="css-v8s5na e1e1z7qj0"></button></div><style data-emotion="css iunzcc">.css-iunzcc{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;margin-top:7vw;max-height:2500vh;padding-right:6.400vw;transition-property:max-height,margin-top;transition-timing-function:cubic-bezier(0.4, 0, 1, 1);transition-duration:200ms;}@media (min-width: 640px){.css-iunzcc{font-size:2.083vw;}}@media (min-width: 1024px){.css-iunzcc{font-size:1.389vw;}}@media (min-width: 1920px){.css-iunzcc{font-size:20px;}}@media (min-width: 640px){.css-iunzcc{margin-top:5vw;max-height:1100vh;padding-right:3.646vw;}}@media (min-width: 1024px){.css-iunzcc{margin-top:2vw;max-height:1000vh;padding-right:6.667vw;}}</style><div role="c-0" data-cy="questionContent-0" class="css-iunzcc 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><style data-emotion="css tj8q2e">.css-tj8q2e{margin-bottom:1.944vw;border-radius:38px;border-width:1px;--tw-border-opacity:1;border-color:rgb(35 31 32 / var(--tw-border-opacity));--tw-bg-opacity:1;background-color:rgb(255 255 255 / var(--tw-bg-opacity));padding:6.400vw 6.400vw 6.400vw 8.533vw;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:background-color;transition-timing-function:cubic-bezier(0.4, 0, 0.2, 1);transition-duration:200ms;}.css-tj8q2e:hover{--tw-bg-opacity:1;background-color:rgb(0 230 80 / var(--tw-bg-opacity));}@media (min-width: 640px){.css-tj8q2e{padding:3.125vw 3.125vw 3.125vw 4.167vw;font-size:2.083vw;}}@media (min-width: 1024px){.css-tj8q2e{border-radius:36px;padding:2.778vw;font-size:1.389vw;}}@media (min-width: 1920px){.css-tj8q2e{font-size:20px;}}</style><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">What do I need to get an insurance quote online?</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="What do I need to get an insurance quote online?" 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-1" data-cy="questionContent-1" 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-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 can I get a certificate of insurance (COI)?</h2><button aria-expanded="false" aria-label="How can I get a certificate of insurance (COI)?" class="css-40h1vz e1e1z7qj0"></button></div><div role="c-2" data-cy="questionContent-2" class="css-8ihxmv e1n7sr560"><div class="css-1vhugkq eta8xj40">Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a <a href="https://www.nextinsurance.com/certificate-of-insurance/" data-testid="link-with-safety" data-renderer-mark="true">certificate of insurance</a>, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an <a href="https://www.nextinsurance.com/glossary/additional-insured/">additional insured</a> as you need them.</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">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-3" data-cy="questionContent-3" 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-links_list_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="links-list"><style data-emotion="css 1mpu1u0">.css-1mpu1u0{--tw-bg-opacity:1;background-color:rgb(255 255 215 / var(--tw-bg-opacity));}</style><div class="css-1mpu1u0 e3uz3k84"><style data-emotion="css 1cwetbc">.css-1cwetbc{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:3.889vw;column-gap:3.889vw;padding-top:5.556vw;padding-bottom:5.556vw;padding-left:5.556vw;padding-right:0.1vw;}@media (max-width: 639px){.css-1cwetbc{-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;padding:8.533vw 4.2666666667vw;text-align:center;}}@media (min-width: 640px) and (max-width: 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1280px){.css-1atdix{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}}@media (min-width: 1920px){.css-1atdix{width:436px;}}</style><div class="css-1atdix e3uz3k82"><h2 type="h2-titles-alpina-md" role="LinksListModuleTitle" class="css-83gwoi e3r5m8y3">Get custom restaurant insurance wherever you do business</h2><div type="body-text-sm" class="css-1j738ad e3r5m8y0"><div class="css-1vhugkq eta8xj40"><p>Learn more about food and beverage industry insurance options in your state.</p> </div></div></div><style data-emotion="css 1va6ild">.css-1va6ild{margin-top:0.5rem;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-flex-wrap:wrap;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;-webkit-box-pack:start;-ms-flex-pack:start;-webkit-justify-content:flex-start;justify-content:flex-start;}@media (max-width: 639px){.css-1va6ild{margin-top:2rem;}}@media (min-width: 640px) and (max-width: 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1023px){.css-5hush1{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:21.354vw;font-size:2.083vw;}}@media (min-width: 1920px){.css-5hush1{width:168px;font-size:18px;}}.css-5hush1 >a{font-family:Graphik,sans-serif;text-rendering:geometricPrecision;letter-spacing:0;text-transform:capitalize;}</style><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-Alabama" href="https://www.nextinsurance.com/business/restaurant-insurance/alabama/">Alabama</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-Alaska" href="https://www.nextinsurance.com/business/restaurant-insurance/alaska/">Alaska</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-Arizona" href="https://www.nextinsurance.com/business/restaurant-insurance/arizona/">Arizona</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-Arkansas" 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href="https://www.nextinsurance.com/business/restaurant-insurance/maine/">Maine</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-Maryland" href="https://www.nextinsurance.com/business/restaurant-insurance/maryland/">Maryland</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-Massachusetts" href="https://www.nextinsurance.com/business/restaurant-insurance/massachusetts/">Massachusetts</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-Michigan" href="https://www.nextinsurance.com/business/restaurant-insurance/michigan/">Michigan</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-Minnesota" href="https://www.nextinsurance.com/business/restaurant-insurance/minnesota/">Minnesota</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-Mississippi" 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href="https://www.nextinsurance.com/business/restaurant-insurance/new-hampshire/">New Hampshire</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-New Jersey" href="https://www.nextinsurance.com/business/restaurant-insurance/new-jersey/">New Jersey</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-New Mexico" href="https://www.nextinsurance.com/business/restaurant-insurance/new-mexico/">New Mexico</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-New York" href="https://www.nextinsurance.com/business/restaurant-insurance/new-york/">New York</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-North Carolina" href="https://www.nextinsurance.com/business/restaurant-insurance/north-carolina/">North Carolina</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-North Dakota" href="https://www.nextinsurance.com/business/restaurant-insurance/north-dakota/">North Dakota</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-Ohio" href="https://www.nextinsurance.com/business/restaurant-insurance/ohio/">Ohio</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-Oklahoma" href="https://www.nextinsurance.com/business/restaurant-insurance/oklahoma/">Oklahoma</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-Oregon" href="https://www.nextinsurance.com/business/restaurant-insurance/oregon/">Oregon</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-Pennsylvania" href="https://www.nextinsurance.com/business/restaurant-insurance/pennsylvania/">Pennsylvania</a></div><div role="LinkItem" class="css-5hush1 e3uz3k80"><a data-cy="link" data-value="link-Rhode Island" 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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: 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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="17-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">Related blog posts for restaurant owners</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/food-handler-license-requirements" role="relatedPosts" class="css-1ezscm5 e1ebeguv18"><picture><img src="https://www.nextinsurance.com/wp-content/uploads/2023/07/food-handlers-card-requirements-header-645x360.jpeg" alt="Food handlers card requirements by state" 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 gczffa">.css-gczffa{--tw-text-opacity:1;color:rgb(0 117 255 / var(--tw-text-opacity));}</style><span class="css-gczffa e1ebeguv14">NEW</span><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">Food handlers card requirements by state</p></a><a href="https://www.nextinsurance.com/blog/common-restaurant-business-insurance-claims" role="relatedPosts" class="css-1ezscm5 e1ebeguv18"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/07/july-2021-4-645x360.jpg.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/07/july-2021-4-645x360.jpg" alt="5 common restaurant insurance claims and how to avoid them" class="w-full h-auto" loading="lazy" fetchpriority="auto"/></picture><div class="css-d88myq e1ebeguv8">Protect</div><p class="css-1j6b9uz e1ebeguv13">5 common restaurant insurance claims and how to avoid them</p></a><a href="https://www.nextinsurance.com/blog/survey-small-businesses-lack-confidence-adequate-insurance" role="relatedPosts" class="css-1ezscm5 e1ebeguv18"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2023/03/NEXT-survey-small-business-stress-risk-preparedness-645x360.jpg.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2023/03/NEXT-survey-small-business-stress-risk-preparedness-645x360.jpg" alt="90% of small business owners aren’t confident that they are adequately insured, according to survey" class="w-full h-auto" loading="lazy" fetchpriority="auto"/></picture><div class="css-d88myq e1ebeguv8">Protect</div><span class="css-gczffa e1ebeguv14">NEW</span><p class="css-1j6b9uz e1ebeguv13">90% of small business owners aren’t confident that they are adequately insured, according to survey</p></a></div></div></div><div ni-selector="18-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. 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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 - 2025-02-05 17:42:16"},{"acf_fc_layout":"coverage_plans_boxes_module","displayModule":true,"bgColor":"sky_25","coverage_plans_title":"You can save up to 25% in discounts on restaurant insurance*","coverage_plans_description":"Flexible billing plans to keep your cash flow healthy (even if your menu isn't!).","coverage_plans_grey_description":"","lower_price":{"gl_limit":"500000","pl_limit":"250000","ca_limit":"","wc_limit":"100000","im_limit":"","cp_limit":"25000","gkl_limit":"","fw_limit":""},"most_popular":{"gl_limit":"1000000","pl_limit":"1000000","ca_limit":"","wc_limit":"500000","im_limit":"","cp_limit":"25000","gkl_limit":"","fw_limit":""},"best_coverage":{"gl_limit":"1000000","pl_limit":"1000000","ca_limit":"","wc_limit":"1000000","im_limit":"","cp_limit":"25000","gkl_limit":"","fw_limit":""},"ctaButton":{"title":"Check Our Prices","url":"https://track.nextinsurance.com/links?serial=96027","buttonBgColor":"Blue","enable_arrow":false,"isScroll":false,"NISelectorScrollTo":""},"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 restaurant insurance cost?","mosaic_image_position":"left","mosaic_title":"How much does restaurant insurance cost?","mosaic_subtitle":"\u003cp\u003eYour commercial restaurant insurance costs (a.k.a. \u003ca href=\"https://www.nextinsurance.com/glossary/premium/\"\u003epremiums\u003c/a\u003e) can vary based on a number of factors, including:\u003c/p\u003e\n\u003cul\u003e\n\u003cli aria-level=\"1\"\u003eThe type of restaurant (fine dining, casual, fast food, ghost kitchen etc.).\u003c/li\u003e\n\u003cli aria-level=\"1\"\u003eYour restaurant location.\u003c/li\u003e\n\u003cli aria-level=\"1\"\u003eYour payroll and what your employees do.\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003e\u003ca href=\"https://track.nextinsurance.com/links?serial=96027\"\u003eGet a free restaurant insurance quote\u003c/a\u003e. You’ll know exactly what your business will pay in under 5 minutes, and you can make a purchase 24/7.\u003c/p\u003e\n","bgColor":"sky_25","display_cta_button":true,"ctaButton":{"ctaButton":{"title":"Get Instant Quote","url":"https://track.nextinsurance.com/links?serial=96027","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/questions-signup-yellow-orange-1.png","mosaic_image_alt":"What business insurance is required for restaurants?","mosaic_image_position":"right","mosaic_title":"What business insurance is required for restaurants?","mosaic_subtitle":"\u003cp\u003e\u003ca href=\"https://www.nextinsurance.com/industry/restaurant-food-and-bar-insurance/\"\u003eFood and beverage industry insurance\u003c/a\u003e requirements vary by state law and different situations. Insurance for your restaurant business may be necessary to:\u003c/p\u003e\n\u003cul\u003e\n\u003cli aria-level=\"1\"\u003e\u003cstrong\u003eServe customers\u003c/strong\u003e. Property owners and local governments might want you to have insurance like \u003ca href=\"https://www.nextinsurance.com/general-liability-insurance/\"\u003egeneral liability\u003c/a\u003e or \u003ca href=\"https://www.nextinsurance.com/workers-compensation-insurance/\"\u003eworkers’ compensation\u003c/a\u003e.\u003c/li\u003e\n\u003cli aria-level=\"1\"\u003e\u003cstrong\u003eHire employees\u003c/strong\u003e. Many states require workers’ compensation if you have employees.\u003c/li\u003e\n\u003cli aria-level=\"1\"\u003e\u003cstrong\u003eDeliver, pick-up or drive for business\u003c/strong\u003e. Business-owned vehicles typically need \u003ca href=\"https://www.nextinsurance.com/commercial-auto-insurance/\"\u003ecommercial auto insurance\u003c/a\u003e.\u003c/li\u003e\n\u003cli aria-level=\"1\"\u003e\u003cstrong\u003eRepair or replace property you own or rent\u003c/strong\u003e. Protect your inventory, equipment and the building that you lease or own.\u003c/li\u003e\n\u003c/ul\u003e\n","bgColor":"sky_25","display_cta_button":true,"ctaButton":{"ctaButton":{"title":"Get Instant Quote","url":"https://track.nextinsurance.com/links?serial=96027","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/dedicated-1.png","mosaic_image_alt":"Resources to help your restaurant business grow","mosaic_image_position":"left","mosaic_title":"Resources to help your restaurant business grow","mosaic_subtitle":"\u003cp\u003eInsurance is just a small part of running a food and beverage business. Visit the NEXT Restaurant Success Center to learn about:\u003c/p\u003e\n\u003cul\u003e\n\u003cli aria-level=\"1\"\u003e\u003ca href=\"https://www.nextinsurance.com/blog/restaurant-licenses-permits/\"\u003eRestaurant licenses and permits\u003c/a\u003e\u003c/li\u003e\n\u003cli aria-level=\"1\"\u003e\u003ca href=\"https://www.nextinsurance.com/blog/restaurant-digital-tools/\"\u003eDigital tools for service, POS, scheduling and inventory\u003c/a\u003e\u003c/li\u003e\n\u003cli aria-level=\"1\"\u003e\u003ca href=\"https://www.nextinsurance.com/blog/restaurant-health-inspection/\"\u003eTips to ace your next health inspection\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n","bgColor":"sky_25","display_cta_button":true,"ctaButton":{"ctaButton":{"title":"Visit the Restaurant Success Center","url":"https://www.nextinsurance.com/lps/restaurant-success-center/","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":"faq_module","displayModule":true,"faq_choose_header":"title_description","faq_title":"Frequently asked questions about business insurance","faq_image":false,"faq_image_alt":"","faq_description":"Here are some of the most common questions we get about restaurant business insurance coverage. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.","faq_short_description":"","faq_open_questions":"1","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":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":2472,"post_author":"2","post_date":"2017-11-09 16:03:57","post_date_gmt":"2017-11-09 16:03:57","post_content":"Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a \u003ca href=\"https://www.nextinsurance.com/certificate-of-insurance/\" data-testid=\"link-with-safety\" data-renderer-mark=\"true\"\u003ecertificate of insurance\u003c/a\u003e, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an \u003ca href=\"https://www.nextinsurance.com/glossary/additional-insured/\"\u003eadditional insured\u003c/a\u003e as you need them.","post_title":"How can I get a certificate of insurance (COI)?","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"can-get-certificate-insurance","to_ping":"","pinged":"","post_modified":"2024-08-15 21:24:55","post_modified_gmt":"2024-08-15 21:24:55","post_content_filtered":"","post_parent":0,"guid":"https://www.nextinsurance.com/?post_type=qa\u0026#038;p=2472","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":"links_list_module","displayModule":true,"bgColor":"lightLemonYellow","title":"Get custom restaurant insurance wherever you do business","subtitle":"\u003cp\u003eLearn more about food and beverage industry insurance options in your 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Hampshire","url":"https://www.nextinsurance.com/business/restaurant-insurance/new-hampshire/"},{"value":"New Jersey","url":"https://www.nextinsurance.com/business/restaurant-insurance/new-jersey/"},{"value":"New Mexico","url":"https://www.nextinsurance.com/business/restaurant-insurance/new-mexico/"},{"value":"New York","url":"https://www.nextinsurance.com/business/restaurant-insurance/new-york/"},{"value":"North Carolina","url":"https://www.nextinsurance.com/business/restaurant-insurance/north-carolina/"},{"value":"North 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Dakota","url":"https://www.nextinsurance.com/business/restaurant-insurance/south-dakota/"},{"value":"Tennessee","url":"https://www.nextinsurance.com/business/restaurant-insurance/tennessee/"},{"value":"Texas","url":"https://www.nextinsurance.com/business/restaurant-insurance/texas/"},{"value":"Utah","url":"https://www.nextinsurance.com/business/restaurant-insurance/utah/"},{"value":"Vermont","url":"https://www.nextinsurance.com/business/restaurant-insurance/vermont/"},{"value":"Virginia","url":"https://www.nextinsurance.com/business/restaurant-insurance/virginia/"},{"value":"Washington","url":"https://www.nextinsurance.com/business/restaurant-insurance/washington/"},{"value":"West 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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. 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