BOP, liquor liability, and workers' comp for food service.
Full-service, quick-service, bars, and food trucks — each with distinct exposure profiles we can place.
Restaurant insurance combines property, liability, and liquor coverage with workers' comp for a workforce that turns over quickly.
Dram-shop exposure is one of the largest uninsured gaps we see. We place primary and excess liquor with specialty markets.
Restaurants & Bars Insurance by State
Requirements and pricing shift state to state. Start with yours.
California Restaurant Insurance
Requirements, costs & carriers →
Texas Restaurant Insurance
Requirements, costs & carriers →
Florida Restaurant Insurance
Requirements, costs & carriers →
Arizona Restaurant Insurance
Requirements, costs & carriers →
Nevada Restaurant Insurance
Requirements, costs & carriers →
Don't see your state? We most likely still write it. KTL is licensed in most U.S. states and places restaurants & bars coverage nationwide — tell us where you operate and we'll shop your account with 20+ carriers.
Request a QuoteOther Industries We Serve
Whether you're comparison-shopping, just curious what you'd save, or need a callback later — we make it easy to start.
Most Popular
Benchmark your current policy against 20+ A-rated carriers. Reply within 1 business day.
Start review →Free Download
The 12-point PDF we use to audit HH & hospice agencies before renewal. No email required.
Download PDF →Talk to a Human
Mon–Fri 8am–5pm PT. Ask us anything — no pressure, no sales script.
Call now →