Food & hospitality

Restaurants

Full- and limited-service restaurants preparing and serving food on premises.

Why it needs cover

The exposure

Restaurants face customer slips, foodborne-illness claims, grease-fire property loss, and employee injuries in the kitchen. Standard GL excludes spoiled food and alcohol claims, leaving real gaps.

What we place

Coverages this class usually needs

Business owners policy (BOP)Often (lease/lender)

Bundles GL and commercial propertyCost-efficient core cover

General liabilityOften (lease)

Customer injury, property damage, food poisoningHeavy foot traffic and food risk

Workers' compensationRequired (with employees)

Kitchen and staff injuriesBurns, cuts, slips

Liquor liabilityOften (license/lease)

Alcohol-related harm claims (excluded from GL)Required with a liquor license in many states

Spoilage / equipment breakdownOptional

Refrigeration failure and food lossPerishable inventory

What it costs

National benchmark premiums

Rated on: Annual revenue and square footage

General liability

$141/mo

BOP

$251/mo

Workers' comp

restaurant WC averages ~$113/mo

Total annual (typical)

$3,000-$6,000/yr for comprehensive coverage; liquor liability adds about $45/mo ($538/yr), with state monthly premiums ranging from $19 (Illinois) to $130 (New York)

Pricing figures are national typical or median ranges for small operators at commonly quoted limits, drawn from the published sources named on each page. They are budgeting benchmarks, not quotes. Your premium depends on state, payroll, revenue, limits, deductible, and loss history.

Sources: Insureon (Restaurant/Liquor Liability cost); NEXT Insurance via Latent; Soma Insure; TechInsurance.

When it goes E&S

Where this risk gets hard to place

Fire loss history, extensive frying, late-night/entertainment operations, and coastal/wildfire property exposure (California) can push restaurants to E&S.

Contact

Talk to us about Restaurants.

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