protect the house special.
Restaurants stack risks like a busy pass: fire, slips, liquor, delivery drivers, spoilage, staff injuries. We build coverage for Denver-metro restaurants, cafes, food trucks and caterers — in four languages, which our restaurant clients genuinely use.
10+ carriers compared
restaurant insurance, done right.
property + spoilage
Kitchen fires and the walk-in full of inventory when the power fails.
liquor liability
Required with a Colorado liquor license — priced by your alcohol sales, shopped like everything else.
workers comp & delivery
Kitchens generate claims; delivery adds auto exposure. Both handled in the same package.
good to know, colorado edition.
Many of our restaurant owners run their books and payroll with our tax team too — one roof means your insurance audit, payroll comp data and tax filings finally agree with each other.
price it for me →
asked constantly.
What does restaurant insurance cost in Denver?
Most independents land in the $3,000–$10,000/year range across all policies, driven by square footage, sales, alcohol percentage and payroll. We'll quote the package and the pieces.
Do food trucks need different coverage?
Yes — the truck is simultaneously a commercial vehicle, a kitchen and a premises. Specialty markets handle it well; we'll match you.
Does my BOP cover food spoilage?
Only if endorsed — and after one power outage, the endorsement pays for itself for a decade. We add it by default for kitchens.
two minutes to real numbers.
Free restaurant insurance comparison across 10+ carriers — in English, Español, 한국어 or မြန်မာ.