Restaurants, coffee shops and other food service businesses have their fair share of headaches. A lawsuit from a customer who falls on a wet floor shouldn't be one of them. Neither should spoiled food caused by a failed walk-in refrigerator.

Find the right coverage for your food or beverage business. Start with the basic coverages of a businessowners policy (BOP), and go from there to get a reliable food insurance policy.
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Businessowners policy (BOP)

A BOP combines commercial property, general liability, business income and other coverages into one convenient package.

Other food business insurance products

Explore your options for additional protection for the food service industry.

Business auto insurance

Helps pay for any claims resulting from an employee’s accident while driving a company vehicle, or their own while on company time.

Workers’ compensation

Protect those who work for you. This coverage can replace lost wages, pay for medical treatment and protect your business and its assets if an employee suffers a serious injury.

Employee practices liability insurance

Protect yourself and your business against charges of discrimination, harassment or wrongful termination.

Property and sewer and drain coverage

Protect your building and contents from losses such as those from fire, sewer troubles and more.

Utility services coverage and spoilage coverage

Utilities services helps cover losses from ruined inventory as a result of interrupted utility services, with very little cash out of pocket.

Employee dishonesty coverage

Get coverage to help recover losses from employee theft. Work with your agent to find the right amount of coverage for your business.

Food & beverage safety bulletins

Review and share these resources.

Hot beverage safety

Personal hygiene for restaurant workers

Proper food handling & storage

Cut & burn prevention

Food liability insurance loss control services & risk management

When you insure your food or beverage business with Nationwide, you get loss control tools and resources, including a Loss Control Services team who can review your operations, procedures and programs.

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Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.