The restaurant industry is one of the fastest growing in the country. At Auto-Owners, we’ve developed a specialized set of coverages designed specifically for the needs of restaurants.

Your local independent agent will work with you to discuss your needs and find the coverages that are right for you. With various discounts available, you can have the protection you deserve for a price you can afford. Don’t trust just anyone to protect your restaurant - find your local independent agent representing Auto-Owners today!

Dining table at a restaurant with a bar

Liquor Liability

You take great responsibility in serving your patrons. Take the same care in protecting your business.

Expired boxes of food in a kitchen

Spoilage and Contamination

Protects you if food contamination occurs or if you suffer loss of perishable stock.

Detached powerline from a building due to strong winds

Business Interruption

This coverage will provide for loss of income and additional expenses while you get your restaurant running smoothly again.

Common Coverages

General Liability

Provides protection from damages that arise out of your normal operations at or away from your business location. Also includes protection from damages caused by your products, services or work you have performed.

Commercial Property

Provides protection for your buildings, business personal property and property of others.

Workers Compensation

Covers work-related injuries to your employees.

Commercial Auto

Covers vehicles you own and use for your business.

Additional Coverages

Liquor Liability

Coverage for liability that may arise from accidents caused by patrons who were served alcohol at your restaurant.

Business Interruption

After a loss, it can take some time to get your business running smoothly again. This protection covers loss of income, costs for continued operation and extra expenses incurred during the time of rehabilitation.

Equipment Breakdown

Covers mechanical breakdown of equipment used in your business. Includes the cost to repair damaged equipment, spoiled goods and loss of income.


Covers perishable items in the event of a power outage or breakdown of refrigeration equipment.


Coverage in the event of a food contamination incident. Covered costs include food replacement, expenses to clean equipment, medical and/or vaccination costs for employees, lost income associated with a shutdown of operations and advertising expenses incurred to restore your reputation.

Employee Dishonesty

Covers your business for employee theft of money, securities and other tangible property.

Employment Practices Liability (EPL)

Covers wrongful employment acts such as discrimination, harassment and wrongful termination. With this coverage, you gain access to a valuable employment practices website, as well as legal advice line, so you can connect with experienced attorneys who are well-versed in federal and state employment laws.

Cyber Liability

In the event of a cyber-attack, our cyber liability package offers the coverages and services you need to protect your business. The package includes a wide range of coverages such as data loss expenses, lost income, and personal identity recovery expenses.

Commercial Umbrella

Covers large liability losses that exceed the limits of the underlying general liability policy.

Inland Marine

Provides broader protection for your specific commercial property such as computers, machinery and equipment, tools and other items.

Ways to Save

Multi-Policy Discounts

Receive premium savings when you have other qualifying policies with Auto-Owners.

Life Multi-Policy Discount

Receive premium savings when you have a qualifying life insurance policy with Auto-Owners.

Dispersion Credit

If you own multiple buildings at different locations and insure them on the same insurance policy, you may be eligible for additional savings.

Group Discounts

This discount may apply when your business is affiliated with certain organizations, such as chambers of commerce, credit unions and trade associations.

Paid-in-Full Discount

Save more if you pay your annual policy premium in full and on time.  Discount does not apply for escrow direct bill accounts.


Assuming some of the risk yourself by choosing a higher deductible may reduce your policy premium.

Favorable Loss History

Receive a lower premium for favorable loss history.

How do I get a quote?

We offer our insurance products through independent agents because of the many advantages they offer you. Use our Agency Locator to find an independent insurance agent near you to get a quote. 

Contact an Agent