We support a wide variety of food service businesses and have deep expertise in the industry.

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 food spoilage 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.

worker making coffee

Take advantage of our extensive expertise

  • Nationwide® is a Fortune 100 company,1 providing strength and stability for your business
  • Nationwide is a national carrier that writes commercial insurance in 46 states and the District of Columbia; you can count on our broad reach to protect your business
  • We’re a leading writer of food service accounts, insuring more than half a million small businesses; our experience makes a difference
  • Our food service industry Loss Control resources will keep your business running smoothly; we can help you manage risk

Our food service focuses

Few insurance carriers can match the wide variety of food service businesses we insure. Our target classes include but are not limited to:

  • Bakeries
  • Brewpubs 
  • Cafes 
  • Carryout establishments 
  • Coffee shops 
  • Delicatessens 
  • Diners (other than 24-hour) 
  • Family-style / Table service restaurants 
  • Fast casual restaurants
  • Fast food restaurants 
  • Fine dining establishments 
  • Food stands 
  • Food trucks affiliated with a restaurant 
  • Ghost kitchens
  • Ice cream / yogurt shops 
  • Pizza parlors
  • Sandwich shops
  • Virtual restaurants

Business owners policy

A BOP combines business property, general liability, business income and equipment breakdown coverage into one convenient package. With Nationwide, our industry-specific coverages are customized for the most common risks that your food service business may face.

Are you a larger food service operation with more than $20 million in property or that has more than 50 employees? Learn more about Nationwide CustomSolutions®, available for Middle Market Food Service businesses.

Food service insurance products

Explore your options for additional protection for the Food Service industry.

Business auto
This coverage helps pay for any claims resulting from an employee’s accident while driving a company vehicle.

Workers’ Comp
Protect those who work for you. This coverage can replace lost wages and pay for medical treatment if an employee suffers an injury at work.

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

Property and sewer
Protect your building and contents from losses such fire, sewer backup and more.

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

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

Cyber risks
Cyber risks are on the rise. Our coverage includes data compromise protection, identity recovery protection and cyber protection.

Umbrella coverage
This coverage provides an extra layer of protection for large liability losses. For example, if a customer is severely injured at your business, the umbrella can provide an additional layer of protection above the limits of liability on your policy.

worker pouring coffee

Loss Control Services and 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 that can review your operations, procedures and programs.
1Based on revenue, Fortune magazine (May 23, 2022.)

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.