Restaurants insurance in Duluth, MN
Restaurants need coverage that fits real operations — property, liability, liquor exposure, and staff. An independent agency can match you with carriers that write hospitality risks.
Duluth, MN market figures computed from public licensing records as of 2026. “Records” reflect each agency’s earliest entry in the licensing file — see how we source data.
Restaurants coverage to consider
- General liability
- Commercial property
- Liquor liability
- Workers' compensation
- Food spoilage
- Business owner's policy (BOP)
Coverage needs vary. A licensed agent will help you decide what applies — we don't provide quotes or advice.
Independent agencies in Duluth
5 businesses listed from public licensing records, shown alphabetically. Listings are not endorsements.
Duluth, MN
In records since 2026 · NPN 16433132 · public licensing record
Duluth, MN
In records since 2012 · NPN 661330 · public licensing record
Duluth, MN
In records since 2025 · NPN 17572198 · public licensing record
Duluth, MN
In records since 2015 · NPN 16098226 · public licensing record
Duluth, MN
In records since 2018 · NPN 8547334 · public licensing record
Source: Public licensing records: Texas DOI (Socrata) + Florida DFS bulk file; Iowa open data (CC-BY 4.0) for contact enrichment.
Frequently asked questions
Do I need liquor liability if I only serve beer and wine?
Serving any alcohol generally creates liquor liability exposure. A licensed agent can explain how it applies to your license type and menu.
Is a business owner's policy (BOP) enough?
A BOP bundles property and liability, but restaurants often add liquor liability, workers' comp, and spoilage. An agent can tailor the package.
How is restaurant property coverage valued?
Kitchen equipment, tenant improvements, and inventory are typically scheduled. An agent will walk through what to insure and for how much.
Tell us what you need once.
We'll route your request to an independent agency serving Duluth — and you'll always know who may contact you.
Find Independent Insurance is operated by Relay and is not an insurance agency, broker, or carrier. We do not provide quotes, insurance advice, or coverage recommendations, and we do not guarantee coverage or price. Licensed independent agencies handle quotes, advice, and policy placement.