Restaurant Insurance

Workers' Compensation, General Liability, BOP, Liquor Liability, Property and Cyber Insurance for Restaurants

Workers' CompProfessional LiabilityGeneral Liability Excess LiabilityPropertyInland MarineBOP

We cover these industries & more!

Catering

Fast Food

Food Truck

Sit-down Restaurants

& many more!

Workers' Comp
for Restaurants & Bars

Submit Workers' Comp Application
Instant Quote & Bind

 or submit an application here

  Workers' Comp Forms

Florida: Download

 | Fill & submit online

All other states: Download

 | Fill & submit online

  

Highlights

  • Loss prevention programs
  • Competitive dividend programs available
  • Pay-as-you-go plans available
  • A++ rated Reinsurance
 

Guidelines

  • New in business acceptable
  • Delivery exposures by 3rd party vendors only
  • Low minimum premiums
  

Targeted Class Codes

  • 9082 – Restaurants
  • 9083 – Fast Food
  • 0975 – Restaurants (PA)
  • 9071 – Restaurants (NY)
  • 0897 – Fast Food (PA)
  • 9072 – Fast Food (NY)
 

States

Professional Liability
for Restaurants & Bars

Submit Professional Liability Application


View all Acceptable Classes of Business for Property

Professional Liability Forms
No items found.

Highlights

General Liability
for Restaurants & Bars

Submit General Liability Application
Instant Quote & Bind

 or submit an application here

  General Liability Forms

ACORD 125: Download

 | Fill & submit online

ACORD 126: Download

 | Fill & submit online

  

Highlights

  • Comprehensive GL Occurrence Form
  • Limited Assault and Battery coverage available
  • Liquor liability available for most accounts
 

Guidelines

 

States

Liquor Liability
for Restaurants & Bars

Submit Application
  

Highlights

  • Monoline and package options available
  • No minimum premium requirement
  • Policies for hard-to-place accounts, including new ventures, high-hazard operations, and risks with coverage gaps
  • Restaurants, bars, taverns, karaoke bars

Excess Liability
for Restaurants & Bars

Submit Excess Application
Excess Forms

ACORD 125: Download

 | Fill & submit online

  

Highlights

Property
for Restaurants & Bars

Submit Property Application
Property Forms

ACORD 125: Download

 | Fill & submit online

ACORD 140: Download

 | Fill & submit online

  

Highlights

  • Coastal coverage available (Max TIV $5M per location)
  • Windstorm availability varies by location
 

States

Inland Marine
for Restaurants & Bars

Submit Inland Marine Application
  Inland Marine Forms
No items found.

Highlights

Business Owner's Policy
for Restaurants & Bars

Submit Business Owner's Policy Application
Instant Quote & Bind

 or submit an application here


View all Acceptable Classes of Business for Property

Business Owner's Policy Forms

ACORD 125: Download

 | Fill & submit online

ACORD 126: Download

 | Fill & submit online

ACORD 140: Download

 | Fill & submit online

Supplemental: Download

 | Fill & submit online

Highlights

  • Admitted and non-admitted options available
  • Eligible with or without table service
  • Wine bars also eligible (with food service)
  • Up to $10M in annual revenue per location
  • Up to 5 locations per policy
  • New ventures welcome (3+ years of prior experience)
  • No nightclubs, casinos, or mobile food vendors
  • BOP program available in all states except Florida

Cyber
for Restaurants & Bars

Instant Quote & Bind

 or submit an application here

Cyber Forms

Submit cyber applications online

  

Highlights

  • Active risk assessment to understand your risk in real-time
  • Active protection through monitoring and alerting to prevent risks
  • Active response with in-house response teams & leading coverage if an incident occurs
  • Both admitted and surplus available
  • Coverage: Up to $10M in aggregate, covering systems failure, social engineering, and more

Ready to submit an Application?

Download the forms from the corresponding section above and submit via one of the options below.

email
  Email
Email to applications@normandyins.com
Upload
Upload

Filled out an application already? Upload it here.

Uploading...
fileuploaded.jpg
Upload failed. Max size for files is 10 MB.
Uploading...
fileuploaded.jpg
Upload failed. Max size for files is 10 MB.
Uploading...
fileuploaded.jpg
Upload failed. Max size for files is 10 MB.
Uploading...
fileuploaded.jpg
Upload failed. Max size for files is 10 MB.
Uploading...
fileuploaded.jpg
Upload failed. Max size for files is 10 MB.
Uploading...
fileuploaded.jpg
Upload failed. Max size for files is 10 MB.
Uploading...
fileuploaded.jpg
Upload failed. Max size for files is 10 MB.
Uploading...
fileuploaded.jpg
Upload failed. Max size for files is 10 MB.
Uploading...
fileuploaded.jpg
Upload failed. Max size for files is 10 MB.
Uploading...
fileuploaded.jpg
Upload failed. Max size for files is 10 MB.
Uploading...
fileuploaded.jpg
Upload failed. Max size for files is 10 MB.
Uploading...
fileuploaded.jpg
Upload failed. Max size for files is 10 MB.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Normandy Insurance logo

🕻 866-688-6442  

info@normandyins.com

Sign up for exclusive news and updates.

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Copyright © 2025.  All Rights Reserved
Sitemap | Terms & Conditions | Privacy Policy