New Restaurant insurance in Nashville
Build a Nashville quote around the menu, equipment, service model, people, property, and off-premises work your new restaurant actually has.
For restaurants opening their first location, pre-opening through the first year.
Prefer to talk? Call (929) 594-5450
What new restaurant insurance costs in Nashville
The lowest food-service general liability policy we have bound is $597/yr, a policy we wrote for a caterer in New York, and our lowest restaurant workers' comp policy is $509/yr. Liability and property together start at $1,153/yr on a bound businessowners policy. A new restaurant lands above or near those depending on cooking, alcohol, sales, payroll, property, and claims.
In Tennessee, our lowest restaurant quote so far is $2,747 a year for liability + property.
A useful new restaurant quote starts with the real operation: build-out, equipment delivery, lease requirements, pre-opening staff, and the planned menu and service. Tenant improvements, equipment and stock should be insured from possession, not from opening day.
| Coverage | Typical cost | Notes |
|---|---|---|
| General liability (bound) | from $597/yr | Our lowest bound food-service liability policy, for a caterer in New York. Cooking, alcohol, sales, and claims move it up from there. |
| Workers' compensation (bound) | from $509/yr | Our lowest bound restaurant workers' comp policy, for a sandwich shop. Priced on payroll, so staff size drives it. |
| Tennessee restaurant quote (quote, not bound) | from $2,747/yr | Our lowest Tennessee restaurant quote, for liability + property, out of 6 we have written there as of 2026-09-26. |
| Liability + property BOP (bound) | from $1,153/yr | Our lowest bound businessowners policy, for a full-service restaurant in New York. Building, equipment and contents values set this one. |
| Liquor, auto, and umbrella | As applicable | Each is priced on its own exposure; a restaurant package does not automatically include every line. |
These are the lowest premiums we have actually bound for restaurants, as of 2026-09-26, plus the lowest instant quotes a carrier issued ready to bind (marked "instant quote, bindable"; those are real quotes, not bound policies) and, where marked "quote", an ordinary carrier quote. Each is labelled by line of business. Your price depends on your menu, cooking, alcohol, sales, payroll, property, location, and claims. They are not an offer of insurance.
What moves your price
- ✓Annual sales, payroll, seating, square footage, hours, years in business, and loss history
- ✓Menu, cooking equipment, fuel, hood and suppression, cleaning, and fire inspection details
- ✓No loss history
- ✓Owner restaurant experience
- ✓Build-out value and possession date
- ✓Building or tenant-property values, refrigeration, equipment, spoilage, and requested deductibles
The coverage a Nashville new restaurant needs
Carriers price a first-time restaurant without loss runs. Owner experience in restaurants, a written business plan and the build-out details stand in for the history you don't have yet.
During construction the landlord and contractor carry the main risks, but your improvements, equipment deliveries and pre-opening liability need coverage from the day you take possession.
Your lease sets required limits and additional-insured wording. Bind before you get the keys or the landlord may not hand them over.
Your improvements and pre-opening liability need coverage from the day you take possession.
Customer injury, foodborne illness, allergens, premises, delivery and catering, checked against what you actually do.
Equipment, contents, stock, improvements and lost income after a covered loss. Compare valuation, deductibles, spoilage and restoration time.
What to check in Nashville
State resources checked . Confirm current requirements with the linked agencies.
Who permits restaurants in Nashville
Metro Public Health's Food Protection and Public Facilities Division permits Davidson County restaurants and conducts unannounced routine inspections.
Metro Public Health: Food Protection and Public Facilities →Opening or renewing in Nashville
The division inspects more than 6,800 permitted facilities in Davidson County, unannounced. Permits can be paid online with the permit number and establishment details.
Metro Public Health: Food Protection and Public Facilities →What an underwriter will ask a new restaurant in Nashville
Opening date and possession date? Your restaurant experience? Build-out value and equipment list? Lease insurance requirements? Planned menu, seating, hours and alcohol?
Tennessee rules that also apply
Workers' comp, liquor licensing and the state food code are set at the Tennessee level. See the Tennessee new restaurant insurance page for those, and for what we've quoted restaurants across Tennessee.
Prefer to talk? Call (929) 594-5450
Frequently asked questions
Who issues restaurant permits in Nashville?
Metro Public Health's Food Protection and Public Facilities Division permits Davidson County restaurants and conducts unannounced routine inspections.
How much does new restaurant insurance cost in Nashville?
The lowest food-service general liability policy we have bound is $597/yr, a policy we wrote for a caterer in New York, and our lowest restaurant workers' comp policy is $509/yr. Liability and property together start at $1,153/yr on a bound businessowners policy. A new restaurant lands above or near those depending on cooking, alcohol, sales, payroll, property, and claims.
Can I get restaurant insurance before I open?
Yes, and you usually need it before you get the keys. Policies can start at possession, covering the build-out and pre-opening liability, and then run into opening day.
What do insurers want from a brand-new restaurant?
Owner experience, the business plan, the build-out and equipment list, the lease requirements, and the planned menu, hours and alcohol.
What information should a new restaurant gather for a quote?
Start with the current policy if handy, loss runs, menu, equipment list, sales split, payroll, hours, seating, square footage, alcohol and delivery details, property values, hood and suppression records, lease requirements, and requested effective date. Estimates are fine when labeled as estimates.
Will the policy meet my landlord's lease requirements?
Usually, for the most common request: $1,000,000 per occurrence and $2,000,000 aggregate in general liability, the landlord named as an additional insured, and a certificate of insurance. Send the insurance section of your lease with the quote request so the limits, additional insured wording, damage to rented premises, liquor and umbrella limits can be checked against it before you buy.
Get your quote
We know you're busy - we can get you a quote without needing hours of your time.
Opening a restaurant?
Plan the steps before your first service, from the opening budget to approvals and lease requirements.
Read the restaurant opening guide →What your landlord's lease will ask for, with real examples →