denver restaurant insurance, plated right.
From food trucks to full service on Larimer — BOP, liquor liability, workers comp and equipment coverage, quoted with carriers that actually want restaurants on their books.
4.9★ · 100+ google reviews
carriers that like restaurants price them better.
- Liquor liability is its own policy. If you serve or sell alcohol, your lease and Colorado's licensing process will effectively demand it — and one over-served incident can be existential. We quote it alongside the BOP, not as an afterthought.
- The BOP carries the kitchen. General liability plus property — your hood system, coolers, buildout and inventory — with spoilage and equipment-breakdown endorsements that matter when a compressor dies in July.
- Workers comp isn't optional. Colorado requires it for virtually any employee, including part-time dish and prep staff. Penalties are steep; we handle it in the same pass.
- COIs at restaurant speed. Landlord, event, farmers market — once bound, certificates typically go out same-day.
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Cindy is the best insurance rep — amazing service and knowledge. She’s always there when I need her and has saved us a lot of money finding the best rates and plans.
Very knowledgeable, professional and friendly. They found a policy that fit my needs and my budget.
The best insurance agent office in Colorado!
denver restaurant insurance, answered.
What insurance does a Denver restaurant need?
Typically: a BOP (general liability + property), workers comp for any employees, liquor liability if you serve alcohol, commercial auto if you deliver or run a truck, and increasingly cyber coverage for your POS. We quote the stack together so nothing overlaps or gaps.
Is liquor liability required in Colorado?
If you serve or sell alcohol, treat it as required — your landlord's lease and the liquor-licensing process will almost always demand proof, and a dram-shop claim without it can end the business. Pricing scales with how much of your revenue is alcohol.
Do you cover food trucks?
Yes — the structure is different (commercial auto for the truck itself plus general liability and equipment coverage), and a few carriers do it particularly well. Tell us it's a truck in the form and we'll quote it right.
Is food spoilage covered if the power goes out?
Only with the right endorsement — spoilage and equipment-breakdown coverage are add-ons to a standard BOP. It's one of the first things we check on every restaurant quote.