What Type of Insurance Do I Need for a Bar and Restaurant Business?

Every type of business needs insurance, but the specific coverage options depend on the industry. As a restaurateur, you may be wondering—what type of insurance do I need for a bar and restaurant? Svendsen Insurance is here to help! 


What Insurance Is Required to Run a Bar/Restaurant in Connecticut? 

Every insurance policy is unique to the business it covers, but some of the most common types of insurance a restaurant may need include the following: 

• Property insurance—May offer financial protection if a restaurant’s property is ruined or damaged in an insurable event, such as a fire or theft

• Liquor liability insurance—May pay legal expenses and claims brought on by customers who were injured by an individual who was drinking at your establishment

• Worker’s compensation insurance—May pay for medical expenses and lost wages if an employee is injured on the job

• Business interruption insurance—May provide ongoing income if your business is forced to shut down or cover costs for relocating your restaurant temporarily

• Spoilage coverage—May provide payment if a power outage or equipment malfunction causes perishable food to spoil

• Equipment breakdown—May cover the cost of repairing equipment that has broken down for reasons other than improper maintenance

What Licenses and Permits Are Required to Run a Bar/Restaurant in Connecticut? 

In addition to insurance policies, restaurants and bars in Connecticut need a list of licenses and permits, which may include the following: 

• Business license

• Certificate of occupancy

• Food handler’s license (aka food service license)

• Seller’s permit

• Liquor license permit

• Catering business license

• Food facility health permit

• Employee health permit

Bar and Restaurant Insurance in Woodbridge, CT 

Connecticut has many great restaurants; if you are one of them, you must have protections in place for the unexpected. Contact the experts at Svendsen Insurance to secure a comprehensive policy tailored specifically to your business.