Restaurant Insurance in Minnesota
Serving protection that fits your restaurant — from fine dining to food trucks.
Running a restaurant is more than cooking great food — it’s managing staff, equipment, customers, and risk. City Insurance helps Minnesota restaurants secure tailored coverage, so you can focus on what matters most: serving your guests.
Core Coverages Every Minnesota Restaurant Needs
Employment Practices Liability (EPLI)
Protects you if an employee claims wrongful termination, discrimination, or harassment.
Cyber & Data Breach Coverage
With POS systems and online ordering, cyber coverage protects against data theft and credit card breaches.
Commercial Umbrella Policy
Provides an extra layer of liability protection above your standard restaurant policy.
General Liability Insurance
Covers customer slips, falls, and claims of food-related illness. Most landlords require this coverage before you can open your doors.
Commercial Property Insurance
Protects your building, kitchen equipment, furnishings, and food inventory against fire, theft, or storm damage.
Workers’ Compensation
Required in Minnesota if you have employees. Covers medical bills, rehab costs, and lost wages.
[Learn about Workers’ Comp Audits ›]
Employment Practices Liability (EPLI)
Protects you if an employee claims wrongful termination, discrimination, or harassment.
Specialized Coverage Options for Restaurants
Every restaurant has unique risks. City Insurance helps you customize your policy with endorsements and specialty coverage.
Liquor Liability
Required if your restaurant serves or sells alcohol. Protects against alcohol-related claims.
Food Spoilage & Contamination
Covers losses from power outages, equipment failure, or recalls.
Business Interruption
Reimburses lost income if you must close temporarily after a covered loss.
Equipment Breakdown
Covers costly repairs for stoves, refrigerators, fryers, and more.
Commercial Auto
For catering vans, food trucks, or delivery vehicles.
[Learn more about Commercial Auto ›]
Hired/Non-Owned Auto
Protects your business if employees use personal cars for deliveries.
Restaurant Insurance for Every Food Business in Minnesota
Whether you operate in Minneapolis, St. Paul, or a small town in greater Minnesota, we offer tailored insurance solutions for:
Diners & Cafés – Casual eateries with steady foot traffic.
Fine Dining Restaurants – High-value assets and staff-heavy operations.
Bars, Taverns & Breweries – Liquor liability and property coverage are must-haves.
Food Trucks – Mobile kitchens need both restaurant coverage and [Commercial Auto Insurance ›].
Bakeries & Coffee Shops – Protect ovens, equipment, and customer liability.
Catering Businesses – Coverage for events, equipment, and staff at off-site venues. Add [Commercial Auto ›] for vans and trailers.
Costs vary based on your location, size, and services. A small café might pay around $2,000–$4,000 per year, while a larger restaurant or bar with liquor sales can pay $10,000+ depending on risks and coverage.
If you have employees, workers’ compensation is required by law. Restaurants serving alcohol must carry liquor liability. Other coverages, like general liability and property, may be required by your landlord or lender.
Yes, if you add spoilage or equipment breakdown coverage. This protects your food inventory if a refrigerator fails, a power outage occurs, or contamination happens.
Yes. Food trucks need both restaurant liability coverage and commercial auto insurance to protect the vehicle, equipment, and staff. [See our Commercial Auto Guide ›]
No. Personal auto policies usually exclude business use. If your business owns delivery vehicles, you’ll need commercial auto. If employees use their own cars, hired/non-owned auto coverage can protect you.
Yes. Even BYOB restaurants can face claims if a customer is overserved or causes an incident. Liquor liability coverage is the safest option.
Yes, if you add a crime or employee dishonesty endorsement. This can cover stolen cash, inventory, or fraudulent transactions.
Insurers look at your location, annual revenue, alcohol sales, number of employees, past claims, and the type of food service (sit-down, bar, food truck, etc.).
No. Your landlord’s policy covers the building itself, not your restaurant’s liability, equipment, or inventory. You’re responsible for your own insurance.
Yes. Many policies can list multiple locations under one account, or we can set up separate policies depending on your operations.
Yes. Even when closed, risks like fire, theft, or liability from visitors still exist. Keeping coverage year-round avoids costly gaps.
Yes. Every Minnesota restaurant with employees must complete an annual audit. Unreported tips, 1099 staff, or misclassified employees can raise your premium. [See our Workers’ Comp Audit Guide ›]
Protect Your Restaurant with the Right Coverage
From the Twin Cities to greater Minnesota, we help restaurants find affordable coverage that protects employees, customers, and property.
Need help with your annual workers’ comp audit? [Visit our Audit Page ›]