Restaurants

Business Insurance for Restaurants

Find the insurance coverage and resources you need to protect your business and bottom line. Without the right insurance coverage, the open flames, tight kitchens, hot plates, risk of food contamination, and much more can cost you big. At Lindquist Insurance, we've helped plenty of restaurant owners like you find the right coverage for the right price. Request a quote today!

Doing Business Insurance with Lindquist means you have your bases covered.


Three Main Layers of Coverage

Make sure you're covered for what you may be found liable for.

  • Premises Liability Coverage - If a customer is injured on your business' premises, you'll want this coverage.

  • Liquor Liability Coverage - Serving alcohol carries a wide range of risks, and this covers legal costs for potential lawsuits in connection with the sale of alcohol.

  • Data Breach Liability - If your customers personal or credit card information makes it's way out of your business operations, you and your business could be held legally liable without this coverage.

Damage to Property, Equipment, and More Shouldn't Stop You From Doing Business

  • Coverage for Property and Income Loss - Property damaged by theft, water damage, fire, lightning, vandalism and other covered perils will be covered, and you'll get funds to rent an alternative space while repairs take place.

  • Equipment Breakdown Coverage - When the equipment you need to run your business breaks down, you'll have the coverage to repair or replace any equipment that needs it due to a covered loss.

  • Product Contamination Coverage  - Contaminated food could mean lost income, replacement costs for the contaminated food, new sanitation expenses and more without this coverage.

Make Sure Your Employees are Protected

  • Workers Compensation - If one of your employees gets sick or injured as a result of their working for you, regardless of negligence, they'll have the funds to recover and make it back to work better.

  • Business Auto Coverage - You, your drivers, and your business need business auto coverage to protect from the dangers of the road.

  • Employee Practices Liability - In the event an employee claims to have experienced employment discrimination, wrongful termination, or sexual harassment, you'll be covered.

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Even More Coverage

Beyond the basics, here are some extra ways we can help keep you covered.

Hired & Nonowned Auto Liability

Cars you lease, hire, borrow, and your employees cars being used in connection with your business can be covered.

Employee Theft

While it can be hard to detect, and can happen over an extended period of time, you'll want this protection should the situation present itself.

Sewer or Drain Backup

Sewers, drains, and sump pumps can have back-ups and overflows, leading to serious damage that you need to cover.

Great Service Is Part of the Package

We have staff in Frederick and Annapolis, MD. We'll be here to help from the time you get your quote to when you file a claim, and all the time in between.

When you partner up with Lindquist for your Business Insurance needs, you'll know you can count on us to answer any questions, and if you have to file a claim, you'll know that we're here to walk you through the process as quickly and painlessly as possible. Reimbursement for smaller claims can happen in 48 hours!


When you submit your quote request or call into our office, one of our specialized insurance agents will walk you through the different insurance coverage options available to you, and help you find the best insurance coverage for your business at the best price. Request a quote today!

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Risk Control

Accidents and small losses happen all the time. But with the right tools and proper training, these risks can be mitigated. We have a wide range of training and resources to share and make sure your employees are engaging in best practices.

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Early Return-To-Work Program

Workers' compensation can be messy, but we'll help your injured employees receiving workers' compensation benefits resume meaningful employment as soon as they are medically able.

More Resources



For more reading, you can learn about fire prevention, tips for lowering commercial auto rates and much more on our blog!

Interested in our services? We’re here to help!

Lindquist Insurance has helped businesses like yours find the insurance coverage they need for years. Let's see where we can help your business, request a quote today!
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