Restaurant & Bar Insurance

Restaurant and Bar Insurance – Protecting Your Business

Owning a restaurant, café, or bar is exciting—but it also comes with serious risks. From kitchen fires to liquor liability claims, unexpected events can put your business, employees, and livelihood on the line. That’s why the right restaurant and bar insurance is critical. 

At Advantage Insurance Network, we specialize in creating custom insurance programs for restaurants, bars, taverns, and nightclubs in Cincinnati and across Ohio, Indiana, Kentucky, Tennessee & Michigan. As an independent agency, we work with multiple top-rated insurance carriers to deliver the best coverage at competitive rates—so you can focus on serving your customers with peace of mind.

Why Choose Advantage Insurance Network?

• Wide Range of Options: As an independent agency, we compare multiple insurance carriers to find the right protection at the best price.

• Personalized Service: Every restaurant and bar is different—we design insurance solutions tailored to your risks and operations.

• Industry Expertise: We’ve insured businesses from small cafés and diners to busy taverns and high-volume nightclubs. We understand the unique risks you face and know how to protect you.

Essential Coverages for Restaurants and Bars

Every food and beverage establishment needs a strong foundation of protection. Here are the core coverages every restaurant and bar owner should consider:

Property Insurance

Covers your building, equipment, furniture, signage, and inventory against losses from fire, theft, vandalism, or other covered events.

General Liability Insurance

Protects your business from claims of bodily injury, property damage, or personal/advertising injury that occur on your premises.

Business Income Insurance

Replaces lost income if your restaurant or bar is forced to close temporarily due to a covered loss.

Workers’ Compensation Insurance

Provides benefits to employees who are injured or become ill as a result of their work. Required by law in most states, including Ohio.

Umbrella Insurance

Adds an extra layer of liability coverage above the limits of your existing policies—especially important for bars or nightclubs with high customer traffic.

Optional Coverages for Restaurants and Bars

Every restaurant or bar has unique risks, and additional coverage can fill important gaps.

• Food Spoilage Coverage – Protects perishable inventory if a power outage or equipment failure causes spoilage.

• Equipment Breakdown Coverage – Covers the sudden breakdown of essential equipment like refrigeration systems, ovens, or HVAC units. Includes repair/replacement costs and potential lost income.

• Liquor Liability Insurance – Essential for any business that sells alcohol. Covers claims related to injuries, property damage, or accidents caused by intoxicated patrons.

• Employment Practices Liability (EPLI) – Protects against employee lawsuits alleging harassment, discrimination, wrongful termination, or wage-related claims.

• Cyber Liability Insurance – Provides coverage for data breaches, hacking, or other cyber incidents. Restaurants and bars often store customer payment data, making cyber coverage an increasingly vital safeguard.

Who Needs Restaurant & Bar Insurance?

We provide tailored coverage for a wide range of food and beverage businesses, including:

• Casual dining restaurants

• Fine dining establishments

• Coffee shops and cafés

• Sports bars and taverns

• Breweries, wineries, and distilleries

• Nightclubs and music venues

• Caterers and food trucks

• More

Why Local Business Owners Trust Us

When you choose Advantage Insurance Network, you’re choosing a trusted Cincinnati insurance agency with decades of experience protecting restaurants, taverns, and bars. Our team will help you:

• Identify your risks and exposures

• Compare policies across multiple carriers

• Customize coverage to your exact needs

• Stay compliant with state and local insurance requirements

Protect Your Restaurant or Bar Today

Don’t let one accident or claim threaten everything you’ve worked for. With restaurant and bar insurance from Advantage Insurance Network, you’ll have the protection you need to keep serving your customers with confidence.

📞 Call us today at 513-922-9460 to speak with a restaurant and bar insurance specialist.
💻 Request a free quote —fast, secure, and hassle-free.

Advantage Insurance Network—your partner in protecting restaurants, bars, and taverns across Cincinnati and Ohio.