Learn what a Business Owner's Policy covers and how DoorDash can help you save and get your business stronger coverage in minutes.
Between rent, payroll, and food costs, insurance can feel like just another required bill. And it's rarely cheap: SMB restaurants pay around $4,000 a year on average for the coverage they're required to carry, with premiums climbing most years.
The good news: DoorDash now offers merchants a way to get better coverage at a better rate, exclusive for DoorDash restaurants. Here's what a Business Owner's Policy (BOP) covers, why you need one, and how to get a better rate through DoorDash.
"I saved about 38% on my premium. The process was simple, fast, and completely self-serve. It's a one-stop shop, so there's less to keep track of."
What Is a Business Owner's Policy (BOP)?
A BOP — also called business owners insurance — bundles the two coverages nearly every restaurant needs into one policy: general liability and commercial property. If you serve alcohol, you can add liquor liability to the same quote.
Carrying this coverage usually isn't optional, and because a BOP bundles coverage instead of selling it separately, it's typically priced lower than buying each policy on its own.
General liability covers claims from customer injuries, property damage, and lawsuits, such as a slip-and-fall in your restaurant, a guest who says they got sick from a meal, or damage to a space you don't own.
Commercial property covers the physical assets you own: your kitchen equipment, furniture, fixtures, and inventory, including losses from fire, theft, or an equipment failure that spoils a walk-in full of food.
Business Insurance, built for DoorDash restaurants
Built exclusively for DoorDash restaurants and offered through DoorDash Insurance Services, this BOP is designed around the risks restaurants actually face.
Cost Savings: Restaurants that get a quote through this program can see over 20% savings. With coverage focused on the risks your business actually faces, DoorDash merchants often save $1,000+ a year.*
Coverage in Minutes: Because this is connected to your Merchant Portal, your quote comes prefilled with your store's information. You can review it, adjust anything that's changed, and see your price before committing to anything.
Hassle-Free Switching: Already insured? Licensed agents can help cancel your current policy and guide the transition. If your needs change, you can also cancel your new policy anytime.
Fast Claims Resolution: We help you get back to serving customers quickly with first contact within 24 hours on 88% of claims and coverage decisions in an average of 2.3 days.**
Get Your Quote
Quotes are non-binding, so take a look and see if switching can save you money. There's no obligation to purchase a policy; you can decide what makes sense for your business either way.
There are two ways to get a quote:
Get a Quote*** ->
Fill in your business information, no login needed
Review your quote from Authentic, adjust any details, and see your potential savings.
Log-in to your Merchant Portal ->
Go to Settings in the left-hand menu of the Merchant Portal and select Add Solutions.
Find the Business Insurance card and select Get a free quote.
Review your prefilled quote from Authentic, adjust any details, and see your potential savings.
DoorDash Insurance Services, LLC is a licensed insurance producer (NPN: 22276535). [Licensing information]. Insurance products are underwritten and issued by Authentic and its licensed insurance partners. DoorDash Insurance Services facilitates access to the program and does not underwrite insurance policies.
*Based on merchant-reported savings from Authentic customer surveys. Actual savings will vary by coverage selected, claims history, state, and other factors, and are not guaranteed.
**First contact and coverage decision figures are based on Authentic reported claim-closure experience reflecting feedback from 20+ customer calls. Individual claim timelines vary by complexity, line of coverage, and information provided, and are not guaranteed.
*** Clicking "Get a quote" directs DoorDash to share your contact information, including your name, email, and business name, with Authentic to pre-fill your quote. Insurance products are provided by Authentic and its licensed insurance partners. DoorDash is not an insurance provider. Coverage, availability, and pricing vary by business, policy, and state.
