Restaurant Insurance in Colorado

3R Insurance Agency is the premier source for comprehensive restaurant insurance in Colorado. We offer tailored coverage packages that meet the unique needs of each business, considering its size, location, type of cuisine served, and other factors. 

Our experienced staff will work closely with you to assess your risks and identify the best possible coverage options for your restaurant.

We provide various policies for restaurant owners, including property and liability insurance, workers' compensation coverage, food contamination, and spoilage insurance, legal expense coverage, and more. 



Our team also specializes in risk management services to help you reduce your exposure to financial losses due to unexpected occurrences. 

We can help you find the right coverage package tailored to your exact needs and budget. Contact us today for more information about our restaurant insurance packages.

All restaurants in Colorado, irrespective of their size, should purchase restaurant insurance. These restaurants include:

• Pizzerias
• Sushi restaurants
• Grill and bistros
• Fast-food chains
• Fine dining establishments
• Coffee shops
• Cafes
• Food trucks
• Catering companies
• Grocery stores and food markets
• Bagel shops
• Sandwich shops
• Family style restaurants

No matter which type of restaurant you own, investing in the right coverage can help protect your business from financial losses due to unpredictable and unavoidable accidents or incidents.

The most common types of insurance coverage for restaurants in Colorado include: 

General Liability Insurance 

General Liability Insurance is a must-have for all businesses, including restaurants. This type of coverage protects from claims resulting from accidents and injuries on the premises. This includes slips, trips, falls, burns, cuts, or any other type of bodily injury or property damage caused by your restaurant’s activities. It also covers personal and advertising injuries, such as libel and slander.

This type of coverage safeguards your business from lawsuits related to your products or services. It also covers the costs for any legal defense against a claim, including court fees. General Liability Insurance is often required by landlords or vendors when renting or leasing space or equipment, so all restaurants in Colorado need to have this type of coverage.

Liquor Liability Insurance

Liquor Liability Insurance is an important coverage type for Colorado restaurants that serve alcohol. This insurance protects your business from legal claims resulting from any injury or property damage caused by a patron who had been drinking at your restaurant. It covers the costs of medical bills, legal fees, and other damages associated with such accidents due to intoxication.

This type of coverage is essential even if you don’t own or sell alcoholic beverages, as any establishment serving food can be held liable for providing premises where alcohol is served. Liquor Liability Insurance also covers the cost of defending yourself against any lawsuit related to the service of alcohol on your premises.

Cyber Liability Insurance 

Cyber Liability Insurance is an important type of coverage for restaurants in Colorado that use technology to run their operations. This policy protects businesses from any legal claims related to the online activities of customers or employees on their premises. This includes data breaches, identity theft, and cyber extortion that could result in serious financial losses for the restaurant.

Cyber Liability Insurance provides coverage for the cost of notifying customers and other affected parties about a data breach, as well as paying for any legal fees associated with defending against these types of claims. 

Workers’ Compensation Insurance 

Workers’ Compensation Insurance is a must for any restaurant in Colorado, as it provides financial protection from the costs of any injury or illness sustained by employees while on the job. This policy covers medical expenses as well as lost wages due to missed work due to an accident or illness. It also pays out benefits if an employee dies while working. 

Without Workers’ Compensation Insurance, a restaurant can be held liable for any medical expenses or lost wages related to an employee injury or illness.

Commercial Property Insurance

Commercial Property Insurance is essential for any restaurant in Colorado as it provides financial protection against damages to the physical structure of the building. This includes coverage for damage caused by fire, theft, or vandalism. It also covers any lost profits due to interruptions in business due to these types of events.

In addition, Commercial Property Insurance also provides coverage for outdoor signage, fences, awnings, and other outdoor structures related to the business. 

It can also provide coverage for lost income due to power outages caused by storms or other disasters. This coverage helps to protect a restaurant’s bottom line and ensures its continued success in Colorado.

Equipment Insurance for Colorado Restaurants

Also known as Boiler & machinery insurance coverage, Equipment Insurance is an essential policy for Colorado restaurants. This coverage protects a business’s equipment from potential damage or loss due to accidents, malfunctions, and other unforeseen events. 

Equipment Insurance also helps cover the cost of repairs or replacement for any equipment damaged or destroyed due to an accident or malfunction. This type of coverage can be especially beneficial for restaurants with large kitchens and a variety of equipment.

Business Interruption Insurance 

Business Interruption Insurance is an important policy for any restaurant in Colorado, as it provides financial protection against lost income due to unforeseen events that cause interruptions in business operations. This coverage pays out in the event that the restaurant needs to close for any period of time due to fire, theft, or vandalism. It also covers expenses related to operating from a temporary location during the interruption.

Business Interruption Insurance can also cover other costs associated with the interruption. This includes expenses for advertising and marketing campaigns to help the restaurant regain customers lost during the closure. 

It can also cover additional wages and salaries if employees are needed in order to keep operations running smoothly during the disruption. 

Professional Liability Insurance 

Professional Liability Insurance is an important policy for any restaurant operating in Colorado, as it covers costs associated with negligence-related incidents. This includes legal fees, settlements, and judgments if a customer or employee claims the business was negligent in providing goods or services. 

Professional Liability Insurance can also be used to cover investigations into allegations of errors or omissions made by the business and any other costs related to the defense of a claim. 

Communicable Disease Insurance 

Communicable Disease Insurance is an essential policy for any restaurant operating in Colorado as it helps to protect against potential losses due to communicable diseases. This type of coverage helps a business cover medical expenses, lost income, and other costs related to treating and preventing communicable diseases. It can also protect from lawsuits if customers or employees contract a communicable disease and sue the business. 

Communicable disease insurance can be especially beneficial for restaurants that serve food to large groups of people, as it helps to safeguard against potential losses due to an outbreak of a communicable disease.

The cost of Colorado restaurant insurance can vary depending on several factors. These factors include

• The type of restaurant you run
• The size and type of the business
• The location of the restaurant
• The number of employees 
• The amount of coverage that is purchased
• The type of policies that are included in the insurance package 
• Any discounts or credits applied to the policy.

Typically, the cost of restaurant insurance in Colorado can range from around $10,000 per year for smaller establishments with fewer employees to over $100,000 per year for larger restaurants, such as chains.



It is important to shop around and compare quotes from different insurers in order to get the most competitive rate. In addition, it is wise to speak with an insurance agent from 3R Insurance Agency to assess the specific needs of your restaurant and find an optimal policy that meets all of the restaurant’s coverage requirements.

3R Insurance Agency offers comprehensive restaurant insurance coverage for restaurants in Colorado. Our experienced agents will provide you with various quotes to compare, helping you find the right policy at the right price. 

We make sure all of your coverage needs are met so you're fully protected in case of an accident or theft. We partner with leading insurers to provide you with the best coverage options available. 

Contact us today for a free, no-obligation restaurant insurance quote!