Restaurants Insurance
Coverage recommendations, carrier options, and cost estimates for insuring restaurants businesses. Built for independent agents quoting this class.
Recommended Coverages
BOP
essentialBundles general liability, commercial property, and business income/extra expense into one policy. For Restaurants businesses, key exposures include high slip-and-fall exposure. Common claims include customer slip-and-fall. Agent note: BOP is the standard starting point but may exclude liquor liability
$1M GL per occurrence / $2M aggregate; Property limits vary by business personal property and building values
$500 - $3,500/year for low-risk small businesses; $3,000 - $10,000+ for higher-revenue or higher-risk classes
GL
essentialThird-party bodily injury, property damage, personal and advertising injury arising from business operations. For Restaurants businesses, key exposures include high slip-and-fall exposure. Common claims include customer slip-and-fall.
$1M per occurrence / $2M aggregate
$400 - $3,000/year for small businesses; $3,000 - $15,000+ for contractors and higher-risk classes
Workers Comp
recommendedMedical expenses, lost wages, rehabilitation costs, and death benefits for employees injured on the job. For Restaurants businesses, key exposures include employee turnover drives wc claims. Common claims include employee burn injury. Agent note: Workers comp is mandatory in most states for restaurant employees
Statutory limits per state law; Employers Liability typically $500K/$500K/$500K
Based on payroll × class code rate × experience mod. Ranges from $0.50 to $30+ per $100 of payroll depending on classification
Liquor Liability
recommendedThird-party bodily injury, property damage, personal and advertising injury arising from business operations. For Restaurants businesses, key exposures include liquor liability if alcohol served. Agent note: Liquor liability must be added separately if alcohol exceeds 30-50% of revenue at most carriers
$1M per occurrence / $2M aggregate
$400 - $3,000/year for small businesses; $3,000 - $15,000+ for contractors and higher-risk classes
Commercial Property
situationalPhysical damage to buildings, business personal property, equipment, inventory, and tenant improvements from covered perils (fire, wind, theft, vandalism). For Restaurants businesses, key exposures include fire and grease risk. Common claims include kitchen fire.
Based on replacement cost of building and contents. Business income limits typically 12 months of projected revenue.
$750 - $5,000/year for small businesses; varies widely based on property values, construction type, and location
EPLI
situationalClaims by employees alleging wrongful termination, discrimination, sexual harassment, retaliation, failure to promote, and other employment-related violations. For Restaurants businesses, key exposures include employee turnover drives wc claims.
$500K - $2M per claim / aggregate
$800 - $3,000/year for small businesses (under 25 employees); $3,000 - $15,000+ for larger employers
Risk Profile
Physical Risk
Liability Risk
Professional Risk
Property Risk
Top Risks
- High slip-and-fall exposure
- Fire and grease risk
- Liquor liability if alcohol served
- Employee turnover drives WC claims
- Food contamination / foodborne illness
Carriers That Write Restaurants
One of the largest small commercial writers in the U.S. with broad class appetite. Competitive BOP pricing and a streamlined agent portal with fast online quoting.
Broad appetite across most commercial classes with competitive package pricing. Strong multi-line capabilities — agents can bundle GL, property, auto, and umbrella under one carrier.
Known for competitive commercial auto rates and fast online quoting. Strong appetite for businesses with vehicle fleets and a growing BOP book.
Berkshire Hathaway-backed (AM Best A++) with competitive pricing for standard small business classes. Fully online quoting and binding process.
Cost Estimate
$5,000 - $25,000+ for businesses with $500K - $3M revenue
Key Pricing Factors
- Annual revenue ($500K - $3M is typical for this class)
- Employee count (10-50 is typical)
- Seating capacity
- Liquor percentage of revenue
- Years in operation
- Fire suppression system type
See the Per-Coverage Cost Breakdown
For median GL, BOP, WC, and auto premiums sourced from Insureon, plus a worked quote example and the underwriting questions to expect, see our restaurants insurance cost page.
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