Affordable Food Business and Restaurant Insurance Programs

The W.E. Davis Insurance Agency is a local independent agency providing restaurants with excellent coverage and service for over 80 years. We are located in Columbus Ohio but offer coverage throughout the Midwest. We shop multiple carriers for the best coverage and premiums, to help meet your restaurant needs.

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Restaurant Cook

Restaurant Insurance Programs

Our Restaurant Insurance Programs are designed for restaurant owners and include many important features that food businesses often overlook. We provide coverage to traditional restaurants, fine dining establishments, diners, bakeries, catering companies, and other food service businesses.

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Our comprehensive food business insurance policies can cover:

Food spoilage

Loss of income

Equipment breakdown

Food contamination shutdown coverage

Business liability and medical expenses coverage

Liquor liability coverage - if liquor receipts are less than 50% of total

Buildings and content coverage

Interior and exterior glass coverage

Employee dishonesty including forgery and alteration

We can also provide supplemental policy options like cyber liability coverage.

Restaurant Kitchen

Liability Insurance for Restaurants

There are all kinds of possible risks for food businesses including slip-and-fall accidents, commercial property damage, and food-borne illnesses. That’s why it’s so important that you have the right type of business insurance policy.

How It Works


Get in Touch

When you get in touch, a member of our helpful team will explain how our restaurant insurance program works and learn a little about your food service business.


Your Restaurant Insurance Options

When we understand more about your food business, we can suggest a suitable restaurant insurance policy and level of coverage. We will give you all of your options and advise you on what we think would work for you.


Your Restaurant Insurance Policy

Once you’ve had the opportunity to consider the various options and decide which provides the coverage you would like, we can set up your policy.  Then you can enjoy the peace of mind of knowing you are covered if the worst happens.

"The staff at W.E. Davis Insurance is a truly great team.  The are always so courteous and professional and go above and beyond when I have an issue.  They are good enough to keep an eye on my policies and give me a heads up if they see something amiss.  I also can count on my agent to keep me updated every step of the way when there is an issue that they are assisting me with.  I’m happy to be one of their clients."
Kristine Vith
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W.E. Davis Insurance Group Team

Columbus’ Most Trusted Insurance Provider

We are a family-owned business that has been serving the community since the early 1900s. We’re always looking for new ways to give our customers the best coverage and the best value. We have 3 generations of experience insuring businesses like yours. Give us a call today to find out if our Restaurant Insurance Program will work for your business.