Restaurant Insurance in Minnesota
Stay Safe with Elevated Risk Solutions
Minnesota Restaurant Insurance Done Right
Restauranteering in Minnesota means unparalleled reward—and unique risk. From kitchen fires and the serving of liquor to employee injury and property damage, your restaurant is at risk every day to hazards that can instantly wipe out your business. That’s where Elevated Risk Solutions steps in.
We specialize in Restaurant Insurance in Minnesota, offering affordable coverage packages designed for every type of dining establishment, casual dining, fast food, fast casual, cafés, coffee shops, buffets, food trucks, mobile kitchens, bistros, pubs, gastropubs, family-style restaurants, steakhouses, ethnic eateries, and vegan restaurants.
Does your policy have the Elevated Risk Solutions Stamp of Approval? If not, you’re probably paying too much—or worse, not covered properly.
Call 952-469-0401 Today!
What Is Restaurant Insurance?
Restaurant insurance is a package of commercial coverages that protects your food service operation against financial loss. It typically insures:
- General Liability Insurance – Covers accidents, slips, and customer injuries if negligent.
- Property Insurance – This covers your building, furnishings, kitchen appliances, and equipment.
- Business Personal Property Insurance – Covering the business’s contents. What would fall out if you were to turn the building upside down and shake it?
- Liquor Liability Insurance – Covers claims resulting from alcohol-related accidents (the serving and sale of alcohol).
- Workers’ Compensation Insurance – Covers employee on-the-job injuries.
- Business Interruption Insurance – Pays for lost revenues if your restaurant temporarily closes. A property loss triggers this coverage.
- Commercial Auto Insurance – Most suitable for delivery vehicles, food trucks, or mobile restaurants.
Whether you serve coffee, steak, sushi, or sandwiches, we’ll find the best restaurant insurance program to cover your establishment.
_____________________________________
Cheap Restaurant Insurance in Minnesota
We believe that every restaurant should have the best protection at an affordable cost. We compare prices from multiple highly rated insurance firms to provide the lowest-cost restaurant insurance in Minnesota.
We offer:
✅ Low-cost liquor liability insurance (dram shop coverage)
✅ Bundling discounts on property, liability, and auto coverage
✅ Low down payments and payment flexibility
✅ Multiple discounts on safety programs, sprinkler systems, and loss-free records
Our purpose? To simplify saving you money while keeping your restaurant adequately insured.
Fast Free Quotes. You can rely on Elevated Risk Solutions.
Call 952-469-0401 or get an online restaurant insurance quote today.
________________________________________
Why You Need Liquor Liability Insurance
If your restaurant or bar serves beer, wine, or liquor, you’re required to carry liquor liability insurance—you have no choice. Minnesota dram shop statutes hold businesses responsible legally for harm or injury caused by intoxicated patrons.
Without proper coverage, a single bad accident can lead to disastrous financial and legal consequences. Dram shop insurance quotes at affordable prices are offered by Elevated Risk Solutions, so you can serve with confidence and responsibly at your restaurant or bar.
________________________________________
Why Elevated Risk Solutions?
- Independent Insurance Agency – We act on your behalf, not a single insurance company.
- Commercial Insurance Experts – We’re experts at knowing Minnesota restaurant risks.
- Local Experience – Lakeville, MN-based, serving restaurants statewide in Minnesota.
- Low Prices, Fast Quotes, Friendly Service – Best value in restaurant business insurance.
Forecast for Today: Huge Savings!
Phone 952-469-0401 today and get your restaurant insurance quote in minutes.
________________________________________
Minnesota Restaurant Insurance Requirements
Even though general liability insurance is not compulsory in Minnesota, it is demanded by most suppliers, lenders, and landlords. Unless you have employees, however, you won’t require workers’ compensation insurance, which is obligatory under Minnesota law. If you are serving alcohol, the state requires liquor liability insurance to maintain your liquor license in force.
We will make your business meet all obligations—without spending one extra dollar.
Restaurant Insurance FAQs
1️⃣ What does restaurant insurance cost in Minnesota?
Restaurant insurance premiums vary depending on size, location, and service type. Our policies average at $150 per month for small restaurants or food cart operations. We shop more than 50 carriers to find you the best rate.
2️⃣ How are restaurant insurance coverage limits determined?
Standard coverage limits are $1 million per occurrence / $2 million aggregate liability. We can raise the limits upon request and tailor your coverage to match the special terms of your lease or franchise.
3️⃣ What are the Minnesota laws on having restaurant insurance, and is it mandatory?
Restaurants with employees must have workers’ compensation insurance, and restaurants that sell liquor must have liquor liability insurance to comply with Minnesota dram shop statutes. While general liability is not really required, most landlords and suppliers will insist on it.
4️⃣ Does Elevated Risk Solutions offer payment plans?
Yes! We have several affordable pay plans with low down payments and easy monthly billing. Protect your restaurant today and make payments over time.
________________________________________
Get Your Free Restaurant Insurance Quote Today
Don’t delay—get a quote now!
Elevated Risk Solutions provides the most favorable offer on restaurant business insurance in Minnesota.
☎️ Call 952-469-0401 for a Quick Free Quote
💻 Or request your Online Restaurant Insurance Quote now.
Minnesota’s most relied upon leader in elevated commercial insurance protection.
Elevated Risk Solutions – Restaurant Insurance Minnesota.
Quick Quote Form!
> Receive multiple quotes for maximum savings
> Let us answer your insurance questions & help
