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Restaurant & Bar Insurance

Protecting Food and Beverage Establishments in Colorado

Restaurants and bars are high-energy workplace environments full of people with a passion for providing great food, great drinks, and great service to their patrons. At APCO Insurance, we are equally passionate about making sure our clients in the food services industry are properly protected so they can devote their full attention to running their business. Whether you own a neighborhood deli or a Michelin-starred restaurant, our restaurant insurance program is designed to find a coverage plan to fit establishments of all sizes and types.

Restaurant Bar Insurance Colorado With the amount of activity that occurs in a restaurant, both on the floor and in the kitchen, there is always potential for losses to occur. Our agency will help you assess the risks and exposures of your operation and tailor a coverage plan to address your specific needs. However, we will also advise you on the best ways to control your risks internally, making practical and cost-effective suggestions on possible ways to prevent losses from happening altogether.

Coverage options include:

  • Food contamination expense
  • Workers compensation and medical payments
  • Employee benefits
  • Employment practices liability
  • Valet parking liability
  • Commercial and hired non-owned auto
  • Loss of refrigeration and equipment breakdown
  • Building and property damage and loss
  • Commercial liability
  • Crime and theft
  • Liquor liability

Whatever type of protection your business might require, APCO Insurance can provide a comprehensive solution to give you the peace of mind you need to continue focusing on serving your customers. Contact a member of our team today to discuss a plan for your restaurant, bar, or tavern. We look forward to working with you.

Our Location

APCO Insurance

400 Inverness Pkwy, #180
Englewood, CO 80112
Main office: 303-300-2726

Our Providers


The Colorado Distribution Group and APCO have been business partners for nearly nine years. During this time, we have developed a tremendous working relationship with APCO, and especially John Thomas. Not only does APCO handle all of our business needs, they also handle all of our personal insurance requirements. John has demonstrated absolute professionalism and a willingness to go the extra mile to fulfill any and all our requests. It is because of this exceptional customer service, that I highly recommend APCO to all which may inquire.
Steve Portman, President, The Colorado Distribution Group
Customer satisfaction at it’s best! I could never get other insurance agencies to even return my calls and waited for weeks on end for quotes. Then I found APCO. John treats us as if we were his biggest clients! The knowledge he shared while starting our new business was invaluable! We will never go anywhere else!
Dawn and Bob Rochkes, Peak to Peak Taxi
Cheryl Baier has been the service representative to my company from APCO for the past three years, and prior to that did so for another company I worked for. In all that time she was prompt, helpful, and very knowledgeable in all matters of insurance and bonding. She provided our company the epitome of service, and always in a very cheerful manner.
David Gill, Division Seven Services
First, I want to mention that I sure have enjoyed doing business with you. Secondly, I wanted to tell you thank you for all of your hard work. We are all very pleased at your results. If your level of professionalism is characteristic of your firm, you have a great year ahead of you.
Richard Archer, RAGEnterprises
Cheryl Baier has been my Insurance agent for over five years. On a scale of one to ten, I would rate here customer service at 200! She is she is a very polite, professional, and extremely knowledgeable. I work for several companies that require lots of interaction, on an insurance level. Cheryl always hands my customers' needs in a very fast manor and with no problems. I have actually been told by one of my customers, that she is so great that they use me as an example for other contractors when getting insurance certs .. Cheryl has treated me so well in the time I have known her that I feel like she is part of company and Family, and I will continue to have her as my agent for the duration of my company.
Steve Litle, Light Connections
“I have had the pleasure of using this agency for several years now. Cheryl, our personal agent, gives the highest level of customer service, which in so many industries today is completely missing. I have always had immediate response to any request I’ve made and Cheryl watches that we are getting the best rates available to us. I would, and have, recommended them in a heartbeat! Thanks you all for always providing such a great service.” Cheri Jahn -Owner
Cheri Jahn, Colorado Housekeeping
I can’t believe how wonderful you are! I never would have expected this type of customer service-you’re the best and you are definitely going to be number one on my referral list!
Stephanie McDonnell, personal lines client