Restaurant Delivery insurance in Michigan
Build a Michigan quote around the menu, equipment, service model, people, property, and off-premises work your restaurant with delivery actually has.
For restaurants adding or running their own delivery.
Prefer to talk? Call (929) 594-5450
How a restaurant with delivery quote is built in Michigan
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 restaurant with delivery lands above or near those depending on cooking, alcohol, sales, payroll, property, and claims.
In Michigan, our lowest restaurant quote so far is $2,960 a year for businessowners policy (liability + property).
A useful restaurant with delivery quote starts with the real operation: own drivers, personal vehicles, business-owned vehicles, delivery radius, and third-party apps. Business-owned delivery vehicles need a commercial auto policy; the restaurant policy doesn't cover them.
| 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. |
| Michigan restaurant quote (quote, not bound) | from $2,960/yr | Our lowest Michigan restaurant quote, for businessowners policy (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
- ✓Own drivers versus apps
- ✓Personal versus business vehicles
- ✓Delivery share of sales
- ✓Building or tenant-property values, refrigeration, equipment, spoilage, and requested deductibles
Coverage questions for a Michigan restaurant with delivery
When staff deliver in their own cars, their personal policy may exclude business use. Hired and non-owned auto liability covers the restaurant if a driver causes a crash.
A car or van the business owns needs a commercial auto policy; the restaurant policy doesn't cover it.
App-based delivery shifts driver risk to the platform, but the food liability stays with you.
Hired and non-owned auto covers the business when staff deliver in their own cars.
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 Michigan
State food resources checked . Confirm current requirements with the linked agencies.
What we've quoted restaurants in Michigan
Our lowest Michigan restaurant quote is $2,960 a year for businessowners policy (liability + property), out of 6 Michigan restaurant quotes we have written. It's a quote, not a bound policy, and your number depends on your own menu, sales, payroll and property.
Confirm the food-establishment route in Michigan
Michigan distinguishes food service for immediate consumption from retail food-establishment licensing. Restaurants should contact their local health department about the food-service license rather than assume MDARD handles the application.
MDARD Food Service Licenses →Restaurant Delivery details to send with the request
For a Michigan quote, describe own drivers, personal vehicles, business-owned vehicles, delivery radius, and third-party apps. Include the menu, equipment and fuel, sales split, protection records, property values, staffing, claims, and requested effective date.
What an underwriter will ask a restaurant with delivery in Michigan
Own drivers, apps, or both? Do drivers use personal vehicles? Any business-owned vehicles? Delivery radius and share of sales? Current restaurant policy?
Check the employee rule in Michigan
Michigan generally requires workers' compensation once you regularly employ 3 people at one time, or 1 person at least 35 hours a week for 13 weeks or longer. Confirm how owners, officers, part-time employees, and any separately organized catering or delivery operation are counted.
Prefer to talk? Call (929) 594-5450
Frequently asked questions
What information is needed for restaurant with delivery insurance in Michigan?
Prepare the current policy if handy, loss runs, menu, cooking and refrigeration equipment, Michigan location, sales and payroll, seating and hours, alcohol and delivery details, property values, protection records, lease requirements, and requested effective date.
How much does restaurant with delivery insurance cost?
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 restaurant with delivery lands above or near those depending on cooking, alcohol, sales, payroll, property, and claims.
Does my restaurant insurance cover delivery drivers?
Not by default. Hired and non-owned auto, usually an inexpensive add-on, covers the business when employees drive their own cars. Business-owned vehicles need commercial auto.
Does restaurant insurance cover delivery?
Not the vehicles. Add hired and non-owned auto, and commercial auto for any vehicle the business owns.
What information should a restaurant with delivery 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 →