Commercial Auto Insurances For Restaurants

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If your restaurant relies on vehicles for deliveries, catering, or supply transportation, having the right coverage is crucial. Commercial auto insurance for restaurants protects your vehicles, employees, and business from the financial impact of accidents and liability claims.

What Is Commercial Auto Insurance?

Unlike personal auto insurance, commercial coverage is tailored to address the unique risks that come with operating vehicles for restaurant-related activities such as:

Food delivery services.

Catering events.
Transporting ingredients, supplies, or equipment.

What Does Commercial Auto Insurance Cover?

Commercial auto insurance provides comprehensive protection for vehicles used in your restaurant business. These policies typically cover:

Coverage Type	Description
Liability Coverage	Covers property damage or bodily injury caused to others, including legal fees and medical expenses.
Collision Coverage	Pays for repairs or replacement of your vehicle after an accident, regardless of fault.measures.
Comprehensive Coverage	Protects against damage from non-collision incidents like theft, vandalism, fire, or natural disasters.
Personal Injury Protection (PIP)	Covers medical expenses for the driver and passengers, regardless of fault.
Uninsured Motorist Coverage	Protects your business if involved in an accident with an underinsured or uninsured driver.

Commercial Auto Insurance Costs for Restaurants

Average Costs

Small Businesses: $75–$200 per month per vehicle.
Larger Fleets: $1,200–$5,000 per year depending on vehicle count.

The cost of commercial auto insurance for restaurants depends on several factors including:

Driving Records: Clean driving records for you and your employees help reduce premiums.

Number of Vehicles: The more vehicles in your fleet, the higher the cost.
Vehicle Type: Larger or specialized vehicles may cost more to insure.
Coverage Limits: Higher coverage limits result in higher premiums but provide greater protection.
Location: Urban areas may have higher rates due to increased risk of accidents or theft.

If you want policy advice or an exact cost for your restaurant, we encourage you to get in touch with our agents today.

We understand restaurant insurance and the immense risks they take when they provide their necessary services. Our agents can reduce policy prices through additional discounts of 10% to 15% from the instant quotes you receive, so please take the time to call us to review your quotes.

We provide the finest comprehensive plans for your restaurant business by providing: