Restaurant Insurance in West Virginia: All You Need to Know to Get Started

Whether you are baking one of the state’s most famous pepperonis rolls, getting creative with toppings on your hot dogs in Lesage, or perfecting the biscuit of your breakfast dreams, your restaurant is probably your pride and joy. Shouldn’t you protect your business the same way you protect those recipes? The proper coverage for your restaurant could make all the difference if a disaster strikes.


What kind of insurance do restaurants need?

Restaurant insurance is usually classified under Business Owner Policies (BOP) and has some specialized coverage catered to the restaurant business. Because restaurants have a different set of insurance needs from other commercial operations, it’s crucial to review your operations and make sure you have proper coverage. 

Restaurant insurance like other commercial insurance policies can cover injuries on the property like falls and slips, but also can cover defense on liability cases where a customer may have ingested contaminated products. Restaurant insurance is designed to provide business owners protections related to food consumption, but also injury claims that occur on your premises or in connection with your operations. 

Catered to your restaurant’s needs

The customizable nature of the coverage is intended to allow restaurant owners to cater their coverage to their needs. Coffee shops that may not be serving much food, and therefore not operating ovens and fryers, enjoy the benefits of customized restaurant coverage that meets their independent needs, just as restaurants that are operating ovens, fryers, and other appliances have their needs met. 

Food trucks also can have customized plans that provide coverage based on need, and in all cases, restaurant insurance can be designed to protect the equipment and other physical assets your restaurant possesses that make it work. From high-grade mixers to coal ovens and that $10,000 stainless steel refrigerator, business insurance can protect your assets should disaster strike. 

How does restaurant insurance differ from commercial/business insurance?

Many business owners believe that a business owner policy and standard business insurance are enough to cover their operation. In many cases, it can be, but for restaurants, the individual needs of the business and how employees and customers interact with the business create a need for specific policy points. Just as business insurance covers equipment, tools, inventory, furniture, etc., there are additional needs a restaurant has related to employee theft, spoilage, food contamination, liquor liability, business interruption, off-site utility interruption, and cleanliness standard and reopening procedure costs that make a restaurant insurance policy advisable. 

How much does restaurant insurance cost in West Virginia?

An exact cost for restaurant insurance can never be determined without first sitting down with a restaurant owner to discuss specific needs. 

What goes into restaurant insurance in West Virginia? Typically, a policy will include worker’s compensation, liquor liability, general liability, and property liability.

With all of these insurance items included, the cost can average from $3,000 and up.

Remember that this is just an estimate for the cost of restaurant insurance in West Virginia. Your location, restaurant type, breadth of coverage and other factors will all influence on the final pricing.

If you are wondering whether your existing restaurant coverage in West Virginia is sufficient or if there is a better way to protect your restaurant in the event of unexpected events, give the team at United Security Agency a call. Their dedicated staff can walk you through current policies and build an insurance plan that gives you the peace of mind to provide your customers with the culinary creativity you expect, without the added stress of uncertainty. 

Call today at 304-842-3314.