Restaurant Insurance Quote Checklist: What You Need Before You Apply
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 14
- 2 min read
Getting a restaurant insurance quote can be quick and stress-free—if you have all the necessary information ready. From liability coverage to workers’ compensation, insurance requirements vary depending on your restaurant’s size, location, and services.
This checklist will guide you through everything you need before you apply for a quote, helping you save time, compare policies accurately, and ensure your business is fully protected. Plus, we’ll show you how Wexford Insurance can simplify the process.
Why a Checklist Matters
Restaurants face unique risks: customer injuries, kitchen accidents, equipment breakdowns, and even cyber threats. Insurance protects your business from unexpected financial loss.
Having a checklist before requesting a quote ensures:
Faster, more accurate quotes
Proper coverage tailored to your restaurant type
No surprises in your premium or coverage gaps
Restaurant Insurance Quote Checklist
Before applying for a quote, prepare the following information:
1. Business Details
Legal business name and structure (LLC, corporation, sole proprietorship)
Physical address and square footage
Years in operation
Dine-in, takeout, food truck, bar, or catering
Alcohol sales percentage (if applicable)
3. Financial Information
Annual revenue
Payroll totals
Previous insurance claims
4. Existing Policies
Current coverage types and limits
Any gaps or expired policies
5. Employees and Operations
Number of staff
Roles and responsibilities
Delivery vehicles or food trucks
6. Risk Factors
High-value equipment or inventory
History of claims or incidents
Special services (catering, live events, outdoor seating)
Key Restaurant Insurance Coverages
While each restaurant is unique, most require:
Covers customer injuries, property damage, and advertising claims.
Protects your building, kitchen equipment, furniture, and inventory from fire, theft, or vandalism.
Required in most states to cover employee injuries and lost wages.
Necessary for food delivery, catering vehicles, or food trucks.
How Wexford Insurance Can Help
Wexford Insurance makes it easy to get a restaurant insurance quote. They:
Streamline the application process
Compare multiple carriers for best coverage and pricing
Offer expert advice on restaurant-specific risks
Provide ongoing support as your business grows
👉 Get your restaurant insurance quote today with Wexford Insurance and ensure your business is protected.
