Small business insurance for restaurants and cafés

Restaurants and cafes need general liability cover and often have to name venues or landlords on the policy. FLIP starts at $25.92/mo, adds additional insureds free and has no deductible on liability. Tools and equipment cover costs extra; biBERK starts at $27.50/mo and you buy online.

All 12 business insurance tools, ranked for restaurants and cafés

Tool	Fit for restaurant or café	Starts at	Pricing	Users	Integrations
FLIPVeracity InsuranceFit 85	85	$25.92	Paid	n/a	Free unlimited additional insureds, certificates online	View
biBERKBerkshire Hathaway Insurance GroupFit 72	72	$27.50	Paid	n/a	None needed	View
The HartfordThe HartfordFit 72	72	$67.50	Paid	n/a	None needed	View
InsureonInsureonFit 70	70	$45	Paid	n/a	None needed	View
Progressive CommercialProgressiveFit 68	68	$55	Paid	n/a	None needed	View
Simply BusinessSimply BusinessFit 65	65	$20	Paid	n/a	Standalone	View
ERGO NEXT InsuranceERGO NEXT InsuranceFit 60	60	$19	Paid	n/a	Certificates shareable by link	View
ThimbleThimbleFit 45	45	Price by quote	Paid	n/a	Standalone	View
Insurance CanopyInsurance CanopyFit 40	40	$10	Paid	n/a	Instant certificates of insurance online	View
HiscoxHiscoxFit 30	30	$29.17	Paid	n/a	Standalone	View
Pet Sitters AssociatesPet Sitters AssociatesFit 5	5	$18.33	Paid	n/a	Vet costs regardless of fault, lost key cover	View
Alternative BalanceAlternative BalanceFit 5	5	$22.42	Paid	n/a	Equipment and participant accident cover included	View