Bar & Restaurant Insurance That Covers More Than Just the Basics

Tailored Protection for the Food & Beverage Industry

Running a bar or restaurant isn’t easy—long hours, staffing headaches, food safety, alcohol service, and unpredictable customers.
We can’t solve your Friday night chaos…
But we can protect your business when things go wrong.

Coverage Designed for the Real World

When you own a bar or restaurant, you face unique risks:

  • Someone slips on a spilled drink

  • A food allergy is missed in the kitchen

  • A customer gets rowdy after one too many

  • A fire or freezer failure shuts down your business

These aren’t if situations—they’re when.
We make sure you’re covered.


What’s in a Solid Bar & Restaurant Insurance Policy?

We build custom packages that fit your operations, risk level, and state requirements. Coverage may include:

General Liability

Covers customer injuries, foodborne illness, and property damage.

Liquor Liability

Protects you if someone causes harm after being served alcohol at your establishment.

Assault & Battery

Often excluded by default—but essential if you have bouncers, late hours, or live events.

Workers’ Compensation

Required in most states. Covers on-the-job injuries and work-related illnesses for your staff.

Business Interruption (Loss of Income)

Covers lost revenue if you’re forced to close temporarily due to a covered claim.

Commercial Property Insurance

Covers your building, kitchen/bar equipment, inventory, signage, and more.

Crime & Vandalism Coverage

Protection from theft (including employee theft), burglary, and vandalism.


Who We Work With

We proudly insure a wide range of food & beverage businesses, including:

  • Bars and taverns

  • Full-service restaurants

  • Breweries and taprooms

  • Taquerias and cafés

  • Food trucks and caterers

  • Ghost kitchens and delivery-only setups

  • Ice cream and dessert shops


Why Work With Catanzaro Insurance?

  • ✔ Licensed in Ohio, Indiana, Illinois, Wisconsin, Iowa, Arizona, and Texas

  • ✔ We specialize in hard-to-place classes like bars, nightlife, or prior claims

  • Fast COIs for liquor license or lease requirements

  • Real support—you’ll speak with a human who understands your business

  • No pushy upsells, just honest advice and tailored coverage


Let’s Make Insurance Simple

You’ve got enough on your plate. We’ll handle the coverage.
Click below to request a quote or give us a quick call.
We’ll walk you through everything—fast, clear, and on your schedule.

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Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at Catanzaro Insurance is here and ready to make the process as painless as possible. We look forward to meeting you!