What Type of Insurance Do I Need for a Bar and Restaurant Business?
January 23, 2023

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: a close up of a sign


  • 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. 

Tags: business,insurance,BOP,business,owners,policy,commercial

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