Restaurants & Food Service Insurance

Coverage that works as hard as your kitchen.

Whether you run a neighborhood café, a popular food truck, or a full-service restaurant, you’re serving more than just meals—you’re managing staff, handling equipment, juggling schedules, and welcoming the public every day. And when something goes wrong, the cost can pile up fast.



At Spectrum Insurance, we help food service businesses across Connecticut get the coverage they need to keep the doors open and the kitchen running. From fires and injuries to liquor liability and spoiled inventory, we’ll help you build a policy that protects the parts of your business you can’t afford to lose.

What We Cover for Restaurants & Food Services

• General Liability – Protects you if a customer is injured on your premises or you’re held liable for damages
• Commercial Property – Covers your building, equipment, furnishings, and inventory
• Liquor Liability – Required if you serve alcohol, protecting you from alcohol-related claims
• Food Spoilage & Equipment Breakdown – Covers losses from fridge failures or extended power outages
• Workers’ Compensation – Covers injuries to kitchen staff, servers, and employees on the job
• Business Interruption – Replaces lost income if you have to temporarily close due to a covered event

Real-World Example: The Grease Fire

You own a fast-casual restaurant in central Connecticut. After hours, a small kitchen fire damages the stove, hood system, and surrounding prep area. You’re forced to close for six days while repairs are made and cleanup is done.



Thanks to your commercial property and business interruption insurance, your repairs and lost income are covered—and your staff gets paid while you’re temporarily closed.

Why Restaurants Choose Spectrum

• We understand food service risks. We insure everything from coffee shops and bakeries to bars and banquet halls.
• We help you stay compliant. We’ll guide you through liquor liability, workers’ comp, and vendor coverage requirements.
• We move fast. Need a cert for a lease, landlord, or event space? We’ll turn it around same-day.
• We shop around. We work with 25+ carriers to find the best coverage and rate for your restaurant’s size and style.

Protect What You’ve Built—And What You’re Serving

You serve your community. We’re here to serve you.

Start Your Quote Today

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Get a Quote Today

At Spectrum Insurance, we compare quotes from top-rated carriers across Connecticut, tailoring coverage to your specific needs, industry, and budget. You tell us what you do—we’ll find the right fit, explain it clearly, and make sure you’re not overpaying.