Insurance That Serves Colorado’s Food Industry

From Food Trucks to Full-Service Kitchens

 Flexible protection for fast-paced businesses

Running a food business comes with daily risks—equipment breakdowns, customer slips, fire hazards, and employee injuries. Freedom Insurance provides restaurant insurance tailored to your operation, whether you're running a food truck, managing a franchise, or launching a new café. We help you get the coverage required by landlords, lenders, and licensing boards—without overpaying for what you don’t need.

What We Cover

Policies built for restaurants and food service businesses

Our restaurant coverage options include:

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General liability and liquor liability

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Commercial property (kitchen equipment, inventory, signage)

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Business interruption for fire, storm, or supply chain events

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Food spoilage and equipment breakdown

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Workers’ compensation and employee theft

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Commercial auto for delivery operations

We work with fast food, fine dining, food trucks, caterers, and ghost kitchens across Colorado.

Restaurant Insurance in Colorado

Questions we hear from local owners

  • Is restaurant insurance required in Colorado?

    It’s not legally required, but most landlords and lenders will require liability and property coverage.

  • Do I need liquor liability if I don’t sell alcohol?

    No—but if you serve or allow BYOB, we’ll advise on exposure and whether it's smart to include.

  • What if I use a personal vehicle for delivery?

    You may need a commercial auto policy or a special endorsement. We’ll help you avoid gaps.

  • Can I get coverage for temporary closures?

    Absolutely. We insure trucks, vans, and trailers used for business.

  • Do I need separate policies for food trucks?

    They usually require a combination of commercial auto, general liability, and equipment coverage.