Restaurant General Liability Insurance Policies

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If you run a restaurant, you already understand the risks and potential financial fallout due to accidents and lawsuits. That’s where a General Liability Insurance Policy comes into play. Let our experienced agents find you a tailored solution that is right for protecting your restaurant.

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What Is General Liability Insurance?

Like with most small businesses, General Liability Insurance is a must have for protecting your restaurant. This policy covers your business from everyday risks like customer injuries, property damage, and legal claims.

What Does General Liability Insurance Cover?

General Liability Insurance is an essential policy for protecting your restaurant. Here is a detailed breakdown of what this coverage typically includes and why it is crucial.

Customer Injuries

General liability insurance covers claims related to bodily injuries that occur to customers on the restaurant’s premises. Here are some common situations:

Customer falls: If a customer slips on a wet floor and suffers an injury, the restaurant’s insurance covers their medical expenses, legal fees, and any settlements or judgments, ensuring the customer receives the necessary care without financial burden.

Burns or scalds: If a customer accidentally gets burned by a hot beverage or food item, the insurance would cover their medical treatment and any resulting legal claims, providing support for their recovery.

Customer Property Damage

This insurance also covers damages to customer property caused by the restaurant’s operations. For example:

Accidental damage to customer property: If a staff member accidentally spills a drink on a customer’s expensive electronic device, insurance would cover the repair or replacement costs.

Damage to neighboring properties: If a kitchen fire spreads and causes damage to nearby properties, this policy would cover the repair costs.

Personal & Advertising Injury

General liability insurance protects against claims of personal and advertising injuries that might affect customers. Here are some examples below:

Defamation: If a customer feels harmed by false statements made by your restaurant, the insurance covers legal defense and any settlements or judgments.

Copyright infringement: If your restaurant inadvertently uses copyrighted material in its advertising, general liability would cover the legal costs and any required settlement.

Legal Defense Costs

General liability insurance covers the cost of legal defense if your restaurant is sued, ensuring that any issues involving customers are handled appropriately. These legal defense costs include:

Attorney fees: Payment for legal representation during the course of litigation involving customers.

Court costs: Expenses associated with court proceedings, including filing fees and other related costs.

Settlement and judgment costs: Any amounts the restaurant is required to pay as part of a settlement or court judgment involving customers.

General Liability Restaurant Insurance Costs

On average, the cost of General Liability for restaurants range from $850 to $3,000 per year. With the cost varying quite a bit, we suggest you speak to our agents who will be able to give you an exact online quote.

Here are some of the reasons why restaurant pay different premiums:

Restaurant size & revenue: Larger restaurants or those with higher revenues usually face higher premiums due to increased risk.

Location: Restaurants in areas with higher crime rates or susceptibility to natural disasters incur higher insurance costs.

Coverage Limits: Higher coverage limits lead to higher premiums, but provide more comprehensive protection.

Claims History: Restaurants with a history of frequent claims may see higher premiums.

Other Restaurant Insurance Policies

While General Liability Insurance is a common insurance policy for restaurants, you may need additional coverage. Here are some other important policies you should consider for your restaurant:

Business Owner’s Policy (BOP)

A Business Owner’s Policy is a convenient and cost effective insurance package for restaurant owners. It combines essential coverages like General Liability Insurance, Commercial Property Insurance, and Business Interruption Insurance into one policy. It’s also customizable with additional coverages like Liquor Liability and Cyber Liability.

Commercial Property Insurance

Commercial Property Insurance covers the physical assets of a restaurant, such as the building, kitchen equipment, furniture, and inventory. This coverage is essential for protecting your restaurant against losses from events like fire, theft, vandalism, or natural disasters.

Workers’ Compensation Insurance

Workers’ Compensation Insurance is mandatory in most states and provides benefits to employees who suffer work related injuries or illnesses. This coverage pays for medical expenses, rehabilitation costs, and a portion of lost wages.

Commercial Auto Insurance

If your restaurant uses vehicles for deliveries or catering services, Commercial Auto Insurance is crucial. This coverage protects against liability and damage involving company vehicles. For example, if one of your delivery drivers is involved in an accident, this policy covers repair costs, medical expenses, and potential legal claims.

Business Interruption Insurance

Business Interruption Insurance provides financial protection if the restaurant has to temporarily close due to an unexpected event, like a fire or natural disaster. This coverage helps compensate for any lost income or ongoing expenses like payroll and rent, ensuring your business can recover quickly.

Liquor Liability Insurance

If your restaurant serves alcohol, Liquor Liability Insurance is a crucial policy. This coverage protects against claims related to alcohol-related incidents, such as a customer causing an accident after leaving the restaurant intoxicated. It covers legal fees, settlements, and medical costs associated with such claims.

Get A Quote Today

If you want policy advice or quotes for restaurant insurance, we encourage you to get in touch with our agents today.

We understand restaurant insurance and the immense risks they take when they provide their necessary services. Our agents can reduce policy prices through additional discounts of 10% to 15% from the instant quotes you receive, so please take the time to call us to review your quotes.

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