Fast Food Insurance

Fast Food Insurance

Customized Fast Food Restaurant Insurance Solutions

Whether you’re serving burritos from the counter or burgers at the drive-thru, your restaurant business depends on efficiency and preparation. Help protect your people and your investment with fast food business insurance coverage options from The Hartford.
 
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Fast Food Insurance

What Does Insurance for Fast Food Restaurants Cover?

We know fast food restaurant owners have a lot on the line. That’s why we have business insurance coverages that can be customized for restaurants like yours. Busy kitchens, increased foot traffic and high employee turnover can lead to incidents that put your business at risk, for example:
 
  • A new employee burning their hand on a fryer
  • Customers slipping on a spilled drink and breaking their ankle
  • Food spoiling from unfollowed safety procedures, leading to a customer getting sick
Comprehensive business insurance for fast food operators can help when these accidents lead to claims of bodily injury, property damage and workers’ compensation. When creating a customized policy package, consider these types of coverages:
 
  • Business Owner’s Policy (BOP)
  • Workers’ Compensation
  • General Liability Insurance
  • Cyber Liability Insurance

How Much Does Fast Food Restaurant Insurance Cost?

Insurance costs for fast food restaurants can vary. Many small businesses start with a Business Owner’s Policy (BOP) because it combines three essential types of insurance into one policy: commercial property insurance, general liability and business interruption. On average, The Hartford’s fast food business owner pays $3,787 a year, or $316 a month for a BOP. Workers’ compensation policies average $158 a month.**
 
Want to find out how much fast food restaurant insurance will cost you? Get a quote today.
insurance for fast food

Fast Service You Can Trust

We know how important your time is. That’s why we’ve made it easy for you to get your proof of insurance online.

Covering Your Operations

Fast food restaurants move at a quick pace and mistakes can happen, like food contamination or cooking accidents. We created fast food insurance options to help protect you from these potential risks, so you can focus on serving customers.
“The Center for Disease Control receives around 800 reports of foodborne illness a year.”1
Business Income Insurance for Fast Food

Business Income Insurance

“A series of pipes burst in our building and flooded our restaurant. We had to close for a week.”
 
Business income insurance, also known as business interruption coverage, comes with a Business Owner’s Policy (BOP) and helps replace your lost income if you can’t operate because of covered property damage.
general liability insurance for fast food

General Liability Insurance

“A customer slipped and fell on ice near our front door. She needed to go to the hospital for an x-ray.”
 
General liability insurance helps cover claims that your business hurt someone else. It can help pay for medical expenses or lawsuits if someone sues your restaurant for food poisoning or slips, trips or falls.

Protecting Your Property

The tools and equipment you use to prepare food and drink are vital to your fast food business. The right combination of insurance coverage means you’ll have help when appliances break down.
The National Fire Protection Association reports non-residential structure fires caused property losses of $3.3 million in 2023.2
commercial auto insurance for fast food

Commercial Auto Insurance

“Our restaurant will often deliver large orders. One of our drivers was injured in a crash and the company van was totaled.”
 
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business vehicle for work.
commercial property insurance for fast food

Commercial Property Insurance

“I arrived at work to find someone had thrown rocks at the storefront window. We had to repair and replace several areas of glass.”
 
Commercial property insurance helps protect the equipment, tools, supplies and materials you use to keep your fast food establishment running smoothly.

Taking Care of Your Team

Your fast food crew provides service with a smile that your customers come to expect. Protecting your team on the job is just as important as keeping your customers happy. With the right type of insurance for fast food restaurants, you can help safeguard your employees from the many risks they face.
It takes an average of 30 days for an injured employee to return to work.3
Workers’ Compensation Insurance for fast food

Workers’ Compensation Insurance

“One of my managers burned his hand on a hot grill. He needed treatment and some time off work to heal.”
 
Workers’ compensation insurance gives your employees benefits if they get a work-related injury or illness. It can help cover their medical bills and replace lost wages. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
Employment Practices Liability Insurance (EPLI) for fast food

Employment Practices Liability Insurance (EPLI)

“An employee claims my day manager discriminated against her when scheduling hours.”
 
Employment practices liability insurance (EPLI) helps protect your business and staff from employment-related claims, like wrongful termination, discrimination and harassment. The Hartford’s EPLI coverage helps provide protection from third-party claims filed by customers or vendors.

Frequently Asked Questions About Fast Food Insurance

You work hard to provide customers with good food and friendly service, but being a small business owner means you face unique risks. One incident can lead to a chain of others. For instance, if a refrigerator breaks down, not only does it need to be replaced, but the food inside it could spoil. If any of that food is served to customers, it could cause food poisoning. Fast food commercial property insurance can help replace equipment and help protect you from claims of bodily injury.
If your fast food restaurant has employees, you are required to have workers’ compensation insurance in most states in the U.S. In addition, many bank loans or local laws may affect your need for insurance coverage.
When it comes to running a successful burger shop or pizza joint, you need an insurance company you can trust and rely on. With over 200 years of experience, we’ve helped more than 1 million small business owners like you. We understand every business is unique, and the type of coverage you need is specific to you.
 
Other similar professions and businesses we insure include:
 
fast-food-restaurant-insurance

Get a Quote for Fast Food Insurance Today

Find the insurance coverage you need to keep your fast food business running smoothly.
 
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Last Updated: April 25, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
1 CDC, "Inspection Practices and Outbreak Rates | Restaurant Food Safety"

2  National Fire Protection Association, “Fire Loss in the United States”

3 Property Casualty 360, “A Closer Look at Restaurant Industry Claim Trends”
 
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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