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Johnson Insurance Agency
Johnson Insurance Agency

Restaurant Insurance

Restaurant Insurance2026-10-30T22:07:57-06:00

Colorado Restaurant Insurance Made Easy

Protect your sit-down restaurant with tailored coverage that understands the unique risks of the food service industry.
Serving Colorado restaurants since 1989 with warm, personal support and fast claims response.

Johnson Insurance Agency providing commercial insurance for businesses

Free Restaurant Insurance Checklist

Make sure nothing gets left off the menu of protection.

Why Smart Restaurant Owners Get Insured
(and Stay Insured)?

No More Staff Injury Surprises

Slippery floors and hot kitchens = employee injuries. We help manage Workers’ Comp so claims don’t skyrocket your premiums.

Simple, Gap-Free Coverage

Confused by your policy? We explain it in plain English—and make sure you don’t overpay or leave dangerous gaps.

Serving Alcohol? You’re Covered.

One drink too many could mean a lawsuit. We make sure you’re protected with the right Liquor Liability coverage.

Slip-and-Fall Lawsuits? Handled.

When disaster forces you to shut down, Business Interruption and Equipment Coverage keep your finances stable.

Fire, Floods & Breakdown? You’re Back Fast.

Customers trip, and suddenly you’re being sued. Our General Liability protects your business and your peace of mind.

Bonus: More Coverage, Less Hassle

From food spoilage to delivery van accidents, we’ve got your kitchen covered. We even help meet landlord lease requirements.

Let’s Make Sure You’re Covered

No pressure. No pushy sales. Just honest advice and insurance that fits your restaurant

What’s On the Menu of Protection?

General Liability

Covers customer injuries, property damage, and legal fees — the essentials your landlord (and lawyer) will thank you for.

Property Insurance

Fires, theft, broken equipment then, Life happens. We’ll help you bounce back quickly.

Workers’ Compensation

Protects your team and keeps you compliant with Colorado law.

Liquor Liability

Serving alcohol? Make sure one bad night doesn’t cost you your business.

Business Interruption

IF you’re forced to close temporarily, this covers lost income, keeping the lights (and hope) on.

Commercial Auto

Whether it’s deliveries or catering, we protect your business on wheels.

Food Spoilage & Contamination

Power out? Walk-in fridge fail? We’ve got your lost inventory covered.

What our customers say about us

  • Stephen Cluff’s Avatar Stephen Cluff ★★★★★ 4 months ago
    Amazing service and their prices beat everyone hands down. I was with progressive but will never go back.
  • Juanita Lopez’s Avatar Juanita Lopez ★★★★★ 6 months ago
    Hi, Ms. Jolene takes her time and helps you with your insurance needs. She is caring and kind in her responses and information. She gives you specific information that you need to make choices and decisions. Give her a call she is knowledgeable … More and can guide your insurance needs!
  • Jason Epstein’s Avatar Jason Epstein ★★★★★ a year ago
    I've been with Jolene for over 15 years. I had to switch once in order to get a better mortgage rate (long story short). As soon as that was no longer necessary I came running back. Jolene and her team really are the best in the business … More and they genuinely do care. Don't waste your time with anyone else in the insurance world.
  • Hunter Services’s Avatar Hunter Services ★★★★★ 8 years ago
    Best insurance agency, no doubt. The customer service and communication is perfect. I had a headache trying to get a property in the foothills insured, I dealt with a few different companies, all were the typical insurance company that … More doesn’t have time to go out of their way for the average customer. They did a couple inspections, we made minor adjustments and have a better policy than we had with Allstate, who dropped us because their inspectors weren’t even willing to call to arrange a visit to the gated property. Super happy with Jolene and David, they are professional and good at what they do. I’m now getting life insurance through them and I will probably move our vehicles etc to them as well, all due to their impeccable customer service. Thanks! You guys are great!
  • Stan Fossum’s Avatar Stan Fossum ★★★★★ 9 years ago
    I have been a customer of the Jolene Johnson Farmers Insurance office for about a year. I do not normally get excited about my relationships with insurance companies. However, during my business ownerships and as a homeowner it is uncommon … More to receive this level of service and personal attention. Both, Jolene and her staff have consistently offered professional advice to my many questions and have gone above and beyond with their efforts to find the right policy conditions. Yesterday, I thought I would make a brief inquiry as to a couple of concerns that I had on a policy renewal, and without an appointment, Jolene spent the best part of an hour working with me to reduce some of those policy renewal costs. It is hard to find this level of commitment to customer service in this digital world that is usually very impersonal, so I was very impressed with her willingness to spend so much time on my concerns. I look forward to a continued relationship with this office.

Why Choose Johnson Insurance Agency?

We’re a locally owned insurance agency in Englewood, Colorado. Since 2001, we’ve helped restaurant owners across the Denver metro area and Colorado protect what matters most—from family-owned diners to full-service restaurants with liquor licenses. We speak both English and Spanish, and we treat every client like family.

37 years

Neighborhood Roots

Locally owned since 2001, we’ve spent more than two decades protecting restaurants across Colorado, from family-run spots to full-service establishments.

2 Languages

Inclusive & Bilingual

Inclusive service in English and Spanish means your needs are heard and understood so there’s 100% clarity and 0% confusion.

100%

Always on Your Side

Because we compare multiple carriers, we’re always advocating for your best interest. We promote bespoke coverage with real support.

You have questions?

Ask Away, We Don’t Bite (Unless You’re a Taco).

Do I need insurance if I rent my restaurant space?2026-10-30T21:37:15-06:00

Absolutely. You’ll need general liability and often property coverage for
your contents and equipment. Get a quote started here.

Can you review my current insurance?2026-10-30T21:42:57-06:00

Yes. We’ll review your current coverage for gaps and make sure you’re not overpaying, at no charge and with no obligation. Call us at 303-768-8130 or start here.

How much does restaurant insurance cost?2026-10-30T21:37:16-06:00

It depends on the size of your restaurant, your sales, whether you serve alcohol, how many employees you have, and the coverages you need. A small cafe may pay a few thousand dollars a year for a business owners policy, while a full-service restaurant with a bar and workers’ compensation will pay more. Request a quote for pricing on your restaurant.

Have more questions? Contact us.