Oregon Restaurant Insurance

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Running a Restaurant in Oregon

What comes to mind when you hear the words “Oregon” and “food”? South Carolina’s renowned for BBQ. Chicago has hot dogs and deep-dish pizzas. But what food is iconically Oregonian?

The Beaver State is home to quite a few amazing foods. Some of those that are the most synonymous with the state include:

Salmon
Marionberries and blackberries
Tillamook cheese
Dungeness crab

Starting a restaurant is a great way to share these foods with others. It’s also a good way to showcase other foods, whether that’s Vietnamese pho or Americana, like cheeseburgers.

However, running a restaurant in Oregon is more than just operating a business. It’s a way to bring people together around delicious food, stories, and shared values. But no matter how carefully you plan your menu or design your space, the unexpected can always find a way in. That’s why having the right insurance isn’t just an afterthought—it’s your foundation for resilience.

From a kitchen fire to a customer slipping on a rainy day, restaurant insurance ensures you can weather challenges without losing what you’ve built. Let’s explore the coverage you need to keep your Oregon restaurant thriving.

What Is Restaurant Insurance?

Restaurant insurance is the term given to a combination of different policies designed to protect your business from the risks of the food service industry. Whether you run a small farm-to-table café in Portland, a coastal seafood spot, or a family diner in Bend, insurance is a must-have. It’s not just for your peace of mind, either. It protects your business, your employees, and even your patrons.

It’s about being prepared—for the unexpected equipment breakdown, the storm that knocks out your power, or the liability that comes with serving alcohol. The right coverage gives you the peace of mind to focus on what really matters: the food, the people, and the experience.

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Types of Restaurant Insurance Coverage

General Liability Insurance

This is your restaurant’s first line of defense. It covers things like customer injuries, property damage, and lawsuits. For example, if someone slips on a wet floor near the entrance, this policy handles their medical expenses and legal costs.

However, it’s definitely recommended. Make sure you get food service general liability coverage because it protects against risks standard general liability coverage doesn’t, like foodborne illnesses.

Property Insurance

From your building to your equipment, property insurance protects what keeps your restaurant running. In a state like Oregon, where wildfires, floods, and windstorms can strike, this coverage is essential.

Property insurance will protect more than your physical structure, too. It also covers things like damaged equipment, as well as ruined inventory.

Workers’ Compensation Insurance

Your employees are the heart of your operation. Workers’ comp ensures they’re covered if they get injured on the job—whether it’s a kitchen burn or a fall. In Oregon, workers’ compensation is required if you have even a single employee (part-time or full-time. Workers’ compensation covers things like:

Lost wages
Medical bills
Liability lawsuits

Business Interruption Insurance

If a covered event like a wildfire evacuation or a major plumbing issue forces you to temporarily close, business interruption insurance helps cover lost income and operating expenses. Think about business interruption insurance for protection against:

Wildfire season
Pandemics that force business closures
Flooding and earthquakes

Liquor Liability Insurance

Equipment Breakdown Insurance

Oregon has a vibrant craft beer and wine scene, and if your restaurant serves alcohol for on-site consumption, liquor liability insurance is a must. This policy protects you if a patron causes harm or property damage after being served. Note that you’ll need this policy before the state will approve your liquor license.

Your kitchen equipment works hard every day. If your oven, refrigerators/coolers/freezers, or other essential machinery breaks down, this policy helps cover repair or replacement costs so you can get back to cooking.

Commercial Auto Insurance

If you have a vehicle that’s used for business-related purposes, you’ll need commercial auto insurance. That applies to things like catering, but also to any other business purpose, like going to the restaurant supply store. Commercial auto offers:

Protection in at-fault accidents
Uninsured and underinsured motorist protection

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Cost of Restaurant Insurance in Oregon

The cost of your policy depends on factors like:

Your restaurant’s size and location
Whether you own or rent your building
The type of food and services you offer (catering, alcohol, etc.)

The number of people you emplo

How much might you pay? Oregon restaurant insurance can run from $2,000 to $7,000 annually, but the specifics will depend on your needs.

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Why Choose FarmerBrown.com?

At FarmerBrown.com, we understand the unique challenges of running a restaurant in Oregon. Here’s what sets us apart:

Tailored Policies: Your restaurant is unique, and your insurance should be too. We customize coverage to fit your needs.
Affordable Rates: We work with a network of top insurers to find you the best coverage at competitive prices.
Dedicated Support: Our team is here to guide you from the initial quote to filing claims, so you’re never on your own.

Local Expertise: From wildfire risks to liquor licensing requirements, we know Oregon’s challenges and opportunities.

Ready to protect your Oregon restaurant? Contact FarmerBrown.com today for a personalized quote and let us help you keep your business strong through every season.

Frequently Asked Questions

FAQs

Do I need restaurant insurance if I lease my space?

Yes. Even if you don’t own the building, you’re still responsible for your equipment, inventory, and any incidents that happen on the property.

Is liquor liability insurance required in Oregon?

It’s not legally required, but many landlords and liquor licenses mandate this coverage. It’s also a smart way to protect yourself if you serve alcohol.

Can I combine multiple types of coverage into one policy?

Yes. Bundling general liability, property insurance, and other coverages can simplify your plan and often save you money.

How can I make sure I’m fully covered?

Work with an experienced agent at FarmerBrown.com. We’ll review your business operations and recommend the right coverage levels to fit your needs.