Restaurant insurance in Richmond, VA
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.
Richmond, VA market figures computed from public licensing records as of 2026-06-10. “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.
The Richmond customer base
Business coverage conversations start with who you serve. These figures sketch the households behind local demand in Richmond.
Source: U.S. Census Bureau, American Community Survey 5-year estimates (2020-2024), for Richmond.
Disaster history in Henrico County
Federal disaster declarations are public FEMA records of the events that have hit Henrico County hardest. They're useful context when deciding which coverages and limits matter here.
Source: FEMA public records (disaster declarations), county-level figures for Henrico County.
Insurance agency records in Richmond
19 businesses listed from public licensing records. Preferred Agencies are clearly labeled and shown first; other listings are alphabetical. Listings are not endorsements.
Richmond, VA
License categories: Property & casualty, Managing general agent — property & casualty, Agency License (FL), Managing general agent. Confirm services with the agency.
In records since 2002 · NPN 660537 · Public licensing record
Richmond, VA
License categories: Property & casualty, Agency License (FL). Confirm services with the agency.
In records since 2013 · NPN 17059196 · Public licensing record
Richmond, VA
License categories: Property & casualty, Agency License (FL). Confirm services with the agency.
In records since 2026 · NPN 22092330 · Public licensing record
Richmond, VA
License categories: Property & casualty, Managing general agent — property & casualty, Agency License (FL). Confirm services with the agency.
In records since 2017 · NPN 18339091 · Public licensing record
Richmond, VA
License categories: Property & casualty, Agency License (FL). Confirm services with the agency.
In records since 2013 · NPN 16819819 · Public licensing record
Richmond, VA
License categories: Property & casualty, Agency License (FL). Confirm services with the agency.
In records since 2013 · NPN 16873755 · Public licensing record
Source: Public licensing records: Texas DOI (Socrata) + Florida DFS bulk file; Iowa open data (CC-BY 4.0) for contact enrichment.
Other coverage in Richmond
Agencies in this market may also help with related lines that have local licensing depth.
Restaurants in nearby markets in Henrico County
Browse nearby markets with enough listed agencies to support a local restaurants page.
Frequently asked questions
How many independent agencies can help with restaurant insurance in Richmond, VA?
Public licensing records list 19 insurance agencies in Richmond, Virginia with broad licensing qualifications relevant to this category, within Henrico County. A broad license does not confirm that an agency offers this specialty or represents multiple insurers. Confirm both directly with the agency.
Can I compare restaurant insurance with agencies near Richmond?
Yes. You can request quotes in Richmond, or browse Glen Allen to compare independent agencies in nearby markets in Henrico County.
What happens after I request restaurant insurance quotes in Richmond?
Tell us what you need once. We match your request with one licensed independent agency serving Richmond. We are not an insurance agency and we do not sell your information into a bidding marketplace.
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.
Tell us what you need once.
We'll match you with one independent agency serving Richmond. Your information is never sold or blasted to a list.
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.