Get the Restaurant Insurance You Need

Get the Restaurant Insurance You Need

From Kitchen to Table: Why Restaurant Business Insurance is Essential for Owners

From Kitchen to Table: Why Restaurant Business Insurance is Essential for Owners

Get Started Finding Business Insurance

Get Started Finding Business Insurance

Get the Restaurant Insurance You Need

From Kitchen to Table: Why Restaurant Business Insurance is Essential for Owners

Get Started Finding Business Insurance

If you own a business, you've probably been burned by insurance before, overcharged for coverage you don't need, or told

"we can't cover that" when you need help most.

If you own a business, you've probably been burned by insurance before, overcharged for coverage you don't need, or told

"we can't cover that" when you need help most.

If you own a business, you've probably been burned by insurance before, overcharged for coverage you don't need, or told

"we can't cover that" when you need help most.

Harper is a commercial insurance brokerage that specializes in two things:

Better Rates

Getting better rates on complete packages for businesses of all sizes.

Complex Cases

Covering the complex cases that make other brokers run away.

Why Restaurant Owners Choose Harper

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Are you a restaurant owner? Or in the food and beverage business? Are you aware of the variety of risks your small business faces? Restaurants face a variety of risks because of the nature of the business. One of your employees can slip and fall on wet floors or accidentally cut themselves. A patron can become ill after eating your food. A natural disaster can destroy your building and leave you unable to operate. Restaurant business insurance can protect you in all of these circumstances—so you must be prepared.

What is Restaurant Insurance?

Restaurant insurance consists of multiple insurance policies created to safeguard restaurants and food service establishments against property damage, personal injury, customer illness, and other risks.

Who Needs Restaurant Insurance?

Any establishment that prepares or serves food should evaluate appropriate insurance protection:

- Fast Food Restaurants
- Fine Dining Restaurants
- Delicatessens
- Coffee shops
- Ice cream shops
- Doughnut shops
- Food trucks
- Caterers
- Cafes
- Bars
- Bakeries
- Pubs
- Bistros
- Night clubs

Frequently asked questions

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How quickly can I get a business insurance quote?

Most insurance quotes can be provided within 24-48 hours after we receive your completed application. For simpler businesses, quotes may be available the same day. Complex operations or those requiring specialty coverage may take 3-5 business days as we work with multiple carriers to find the best options for your specific needs.

How quickly can I get a business insurance quote?

Most insurance quotes can be provided within 24-48 hours after we receive your completed application. For simpler businesses, quotes may be available the same day. Complex operations or those requiring specialty coverage may take 3-5 business days as we work with multiple carriers to find the best options for your specific needs.

How quickly can I get a business insurance quote?

Most insurance quotes can be provided within 24-48 hours after we receive your completed application. For simpler businesses, quotes may be available the same day. Complex operations or those requiring specialty coverage may take 3-5 business days as we work with multiple carriers to find the best options for your specific needs.

What factors affect my business insurance premiums?
What factors affect my business insurance premiums?
What factors affect my business insurance premiums?
Can I adjust my coverage if my business grows or changes?
Can I adjust my coverage if my business grows or changes?
Can I adjust my coverage if my business grows or changes?
What's the difference between a claim deductible and coverage limit?
What's the difference between a claim deductible and coverage limit?
What's the difference between a claim deductible and coverage limit?

Customer Testimonials

Customer Testimonials

I called insurance companies for my auto repair shop, but they were unhelpful. Harper’s online process was simpler. I filled out a form and got three competitive quotes from specialized garage coverage carriers within 24 hours. My new policy saved me $200 a month and offered better equipment protection. I wish I’d found them sooner!

Sarah Chen

Business Owner, Auto Care

I called insurance companies for my auto repair shop, but they were unhelpful. Harper’s online process was simpler. I filled out a form and got three competitive quotes from specialized garage coverage carriers within 24 hours. My new policy saved me $200 a month and offered better equipment protection. I wish I’d found them sooner!

Sarah Chen

Business Owner, Auto Care

I called insurance companies for my auto repair shop, but they were unhelpful. Harper’s online process was simpler. I filled out a form and got three competitive quotes from specialized garage coverage carriers within 24 hours. My new policy saved me $200 a month and offered better equipment protection. I wish I’d found them sooner!

Sarah Chen

Business Owner, Auto Care

Running a daycare with means I worry about playground accidents and property damage. Harper’s Corey understood our needs, and explained coverage clearly. When a parent slipped in last winter, Harper’s team handled the claim while I focused on the children. Their expertise and personal touch give me peace of mind.

Maria Gonzalez,

Director, Child Daycare Center

Running a daycare with means I worry about playground accidents and property damage. Harper’s Corey understood our needs, and explained coverage clearly. When a parent slipped in last winter, Harper’s team handled the claim while I focused on the children. Their expertise and personal touch give me peace of mind.

Maria Gonzalez,

Director, Child Daycare Center

Running a daycare with means I worry about playground accidents and property damage. Harper’s Corey understood our needs, and explained coverage clearly. When a parent slipped in last winter, Harper’s team handled the claim while I focused on the children. Their expertise and personal touch give me peace of mind.

Maria Gonzalez,

Director, Child Daycare Center

Industries We Serve

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© 2025 Harper Group. All rights reserved.

Industries We Serve

Services

Insights

© 2025 Harper Group. All rights reserved.

Industries We Serve

Services

Insights

© 2025 Harper Group. All rights reserved.