Restaurant insurance is an investment in financial safety since it covers legal costs when cases go to court. Besides workers' compensation and commercial auto insurance, your restaurant needs at least a standard commercial insurance policy as a foundation for other coverages. When you own a public establishment such as a restaurant, you have a responsibility to protect your employees as well as your customers. Getting proper restaurant insurance helps establish a credible reputation, whereas you can face expensive litigation without it. Workers' compensation insurance pays medical bills and partial income when an employee is recovering after workplace accidents/injuries. If your restaurant or bar has a company vehicle, it needs to be insured with a commercial auto plan, as you cannot use a personal auto plan to cover business-related travels. Other types of business insurance you should look into include: Liquor Commercial property Cyber breach Restaurant equipment Specialty coverage