Insurance for your food-service business
Whether you have a food shop, restaurant or catering business, State Farm® offers coverage to help meet your needs.
What is insurance for food service businesses?
We can help you build an insurance policy with different coverages that protect your food-service business and allow you to focus on making it grow.
Who might benefit?
Examples of who may benefit from insurance for food services businesses aren’t limited to the ones listed. Reach out to your State Farm agent to learn more.
Retail shops & stores
- Bakeries
- Beer and wine stores
- Candy and confectionery shops
- Meat or seafood markets
- Grocery stores
- Ice cream and yogurt shops and juice bars
- Refreshment stands
- Food trucks
Dine-in establishments
- Restaurants
- Pizza parlors
- Coffee and tea shops
- Delicatessens
- Donut and bagel shops
- Fast food restaurants
Specialized professions
- Catering
- Personal chef
What does business insurance for food service cover?
By bringing together the right coverages, you can help safeguard your business and its assets.
Property
Helps protect buildings and other structures, personal property and equipment from covered accidental direct physical loss
Liability
Provides financial protection against costly claims and lawsuits under the policy
Equipment breakdown
Offers coverage for damage to covered property caused by:
- Mechanical equipment breakdown
- An unexpected surge of electricity that doesn’t happen naturally
- Steam boiler explosion
- Loss to steam/hot water boiler
Spoilage
Helps cover the loss of perishable goods inventory caused by mechanical breakdown, power outage or refrigerant contamination
Food contamination
Helps cover business income, direct damages and additional advertising expenses if your business is ordered closed by the Board of Health or any other governmental authority, resulting in food contamination
Utility interruption
Helps protect you if you can’t operate because of a disruption in communication, water, natural gas or electrical service
Backup of sewer or drain
Helps cover losses to property at the premises caused by water that backs up from a sewer or drain, located in the interior of the structure
Coverage in action
Your successful meat and seafood market faces spoilage due to a mechanical breakdown of your refrigeration equipment, but spoilage coverage may help you recover your losses.
How to protect your small business
Depending on your business, you may need to consider additional coverages. Your local State Farm agent can help you choose the options that work best for your specific business needs.
Accounts receivable
Helps cover loss of monies due that are uncollectible because of damage to accounts receivable records
Loss of income
Helps with protection if operations are suspended due to a covered loss
Employee dishonesty coverage
Helps cover loss of business personal property and money and securities caused by an employee’s dishonest act
Frequently asked questions about insurance for food shops
They may need to consider a business policy that helps provide both property and liability coverage. They also may need to consider an auto and/or workers’ compensation insurance.
Reach out to your local State Farm agent for assistance in obtaining a quote.
You may need to consider both a business and an auto policy to help receive the necessary protection for your needs.
Helps cover loss of perishable goods caused by a change in temperature, humidity or pressure which is the direct result of specified conditions included in a policy update.
Get a local agent who gets you
There’s a State Farm agent nearby ready to offer personalized service to fit your specific needs.
Simple Insights®
Looking for ways to help keep your small business running smoothly? You’ve come to the right place. Articles from Simple Insights draw on over 100 years of State Farm knowledge.
Prices are based on rating plans that may vary by state. Coverage options are selected by the customer, and availability and eligibility may vary.
This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.
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