Restaurant Insurance

Protect Your Business, Your Way

Cox Insurance Services offers customizable business insurance that reflects the unique characteristics of your Restaurant, Brew Pub, Bar, Tavern or Mobile Food Vendor.

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Your Restaurant Options Explained

While your day-to-day operations are complex, understanding business insurance doesn’t have to be. There are coverage options available to protect just about every aspect of your business from employee injury to natural disasters. Obtaining the right type and amount of insurance for your business will help you avoid gaps in coverage where you need it most.
From food spoilage caused by equipment breakdown, to fire damage and customer injuries onsite, our Restaurant packages can help protect you from the risks you face as a restaurant owner.

A Cox Insurance Services package policycan provide coverage for:

Employment Practices Liability

Covers your business if discrimination, sexual harassment or wrongful termination claims are made by present, former or future employees.

Property Insurance

Funds repairs or replacements for damaged physical assets when disasters like vandalism, fire, windstorms, or hail strike.

Liability Insurance

Protects against financial losses resulting from claims of injury or property damage caused by you or your employees and your products or services.

Business Crime Insurance

Protects against fraud, theft, forgery or robbery.

Business Income Coverage

Also known as Business Interruption Insurance, allows you to continue to receive income while your business is being restored. It not only helps you to cover expenses needed to keep a business operating after a loss, but it also helps you to replace lost revenue.

Cyber Liability and Data Breach

Provides coverage for privacy breach response services and expenses incurred to notify parties affected by a security breach, including fees and costs related to hiring a company to operate a call center, and reimbursing you for post-event credit monitoring costs for victims of breach.

Tailor your coverage with these additional insurance endorsements, coverages and policies:


Shields your business from potentially ruinous lawsuits with additional liability coverage.

Workers’ Compensation Insurance

Satisfies your employees’ medical needs in the event of an accident or disease and make a quick return to work possible, while removing lawsuit potential by current or former employees.

Business Auto Insurance

Gets you on the road again quickly after an accident and ensure your business is protected against losses from injuries to other drivers, passengers and pedestrians for which you and your employees are liable.

Equipment Breakdown

Pays for direct damage and resulting loss of income caused by or resulting from covered equipment breakdown.

Ordinance or Law

Covers the cost to demolish and remove debris of undamaged parts of the building and the increased cost to repair, reconstruct or remodel damaged or undamaged parts of the building to comply with a building ordinance or law.

Food-Borne Illness

Pays for loss of income and extra expense resulting from an announcement by a public health authority or the media of an actual or alleged discovery of food borne illness at a scheduled location or another location with the same trade name.

Food Contamination Shutdown

Pays for loss of income as the result of a shutdown ordered by the Board of Health or other government authorities as well as certain other additional costs incurred to comply with such authority’s requirement because of actual or suspected contamination.

Tenants Improvement & Betterments

Provides coverage for fixtures, alterations, installations or additions that you acquired or made at your expense and that are made part of the building and cannot be legally removed.

Business Income from Dependent Properties

Provides coverage for the actual loss of Business Income due to the necessary suspension of operations because of direct physical loss to a scheduled dependent property.

Fine Arts

Pays for loss to Fine Arts owned and used in your business and those of others in your care, custody or control.

Garagekeepers (Valet)

Provides coverage for physical damage to customer’s vehicles while in your care, custody or control.

Hired and/or Non-owned Auto

Pays for Bodily Injury or Property Damage arising out of the maintenance or use of a hired automobile in the course of business by you or an employee, or the use of a non-owned automobile in the business by any person other than the insured.

What Our Clients Say

“Uncle Sal’s Italian Restaurant in Scottsdale has been serving great food for over 20 years.
Cox Insurance Services has been serving our insurance needs for just as long!”

Sally Molinari,Owner Uncle Sal’s Restaurant

It’s important to remember your organization has specific needs which may change over time

As a Restaurant business owner, you will encounter challenges that require coverage to keep your business intact, should an unexpected loss happen.

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