General Liability | Liquor Liability | Property | Business Interruption Coverage
If you own or manage a bar, restaurant, or food service business, you know that every shift carries both opportunity and risk. From customer injuries to liquor liability exposures and kitchen fires, one unexpected incident could shut your doors — temporarily or permanently.
At Catanzaro Insurance, we help bars, restaurants, and food service businesses across Ohio, Indiana, and Illinois protect what they’ve built. We understand the challenges that come with running a hospitality business — and we make getting the right coverage simple, fast, and affordable.
✅ What Coverage Does a Bar or Restaurant Need?
General Liability Insurance
Covers customer injuries, foodborne illness, and accidental property damage. Whether someone slips on a wet floor or gets sick after dining, general liability protects your business from costly claims.
Liquor Liability Insurance
Essential for any establishment that serves alcohol. This policy protects you if a customer causes harm or property damage after being served at your bar or restaurant.
Assault & Battery Coverage
Often excluded by default — but crucial if your establishment stays open late, employs bouncers, or hosts live entertainment.
Business Interruption (Loss of Income)
If a fire, power outage, or covered loss forces your restaurant to close temporarily, this coverage replaces lost income and helps you stay afloat during downtime.
Commercial Property Coverage
Protects your building, kitchen and bar equipment, signage, furniture, and inventory against fire, theft, vandalism, or other covered losses.
Workers’ Compensation
Required in most states. Covers medical bills and lost wages for employees who are injured on the job.
Optional Coverages
Crime & Theft: Protects against employee dishonesty or burglary.
Cyber Liability: Covers data breaches involving POS systems or customer info.
Umbrella Liability: Adds an extra layer of protection above your base policies.
🍺 Who Needs Bar & Restaurant Insurance?
We insure a wide range of food and beverage businesses, including:
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Bars and taverns
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Full-service restaurants
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Breweries and taprooms
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Taquerias and cafés
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Pizza shops and diners
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Food trucks and caterers
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Ghost kitchens and delivery-only operations
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Ice cream or dessert shops
If your business serves food, drinks, or hosts customers, you face unique risks that require tailored protection.
💼 Why Choose Catanzaro Insurance
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Licensed in Ohio, Indiana, Illinois, Wisconsin, Iowa, Arizona, and Texas
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Specializing in bars, restaurants, and nightlife classes that other agents avoid
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Fast Certificates of Insurance for liquor license or lease requirements
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Real support — talk directly to a professional who understands your business
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No pushy sales — just honest, efficient coverage advice
We don’t just sell policies — we help hospitality owners make confident, informed decisions that protect their livelihood.
🔥 Real-World Scenarios
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A customer slips on spilled beer — General Liability covers medical expenses.
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A bouncer breaks up a fight and someone presses charges — Assault & Battery coverage responds.
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A fire damages your kitchen and you must close for two weeks — Business Interruption covers lost income.
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An employee steals cash from the till — Crime Coverage protects your business.
Every bar and restaurant faces these risks. The right protection means you can focus on customers — not insurance paperwork.
❓ Bar & Restaurant Insurance FAQs
Q: Do I need liquor liability if I already have general liability?
A: Yes. Liquor liability covers claims that arise from serving alcohol — something general liability usually excludes.
Q: What if my restaurant closes because of a fire or power outage?
A: Business Interruption coverage replaces lost income and helps you recover financially.
Q: How much does restaurant insurance cost in Ohio?
A: Most small to mid-sized establishments pay between $1,500–$5,000 per year, depending on size, staff, and alcohol sales.
🍕 Explore Coverage by Business Type
If your business focuses on a specific concept, explore our other pages for customized options:
📞 Get a Free Bar & Restaurant Insurance Quote
Protect your business, your staff, and your reputation with coverage designed for your needs.
📞 Call 614-489-8383
📧 Email info@catanzaroinsurance.com
Or complete the short form below to request a quote.
We’ll review your current setup, identify coverage gaps, and provide competitive options built specifically for bars and restaurants in Ohio, Indiana, and Illinois.