The above makes it sound like I am saying you should go out and learn all there is to know. That would be crippling to getting anything done and also harmful to your professional relationships if you questioned everything. With this insurance, for instance, it would be a mistake to go out and get one quote and run with it. I would go out and pick 3 agents. It will take time to get them to give you a quote but during this process you will get a feel for them and also be able to take what you learn and ask intelligent questions as well as come to an informed conclusion.
To add some real info based on my experience. I don't plan on doing delivery. However my insurance, in simple terms, was broken down into two aspects. Since I will be in a NNN lease, I will need to have property insurance. This will need to be in place from day one and will include the existing property as well as my improvements to the property. During build out there is also liability coverage that needs to be in place. Before opening, the restaurant will be reviewed in person by the insurance company but they should be able to give you a basic quote. For coverage without delivery, I will be looking at coverage for the property, improvements we made, general liability, liquor liability (if selling alcohol), and specific coverage such as food spoilage, employee theft, etc. The recommended amounts and specifics are something you will need to discuss with the agents and possibly the landlord.
