General Liability
Covers guest slip-and-falls, injuries, and property damage on your premises.
Read the General Liability guideWhat restaurant insurance covers
These are the lines that respond when something goes wrong on the floor, in the kitchen, or at the bar.
What insurance does a restaurant need?
A restaurant typically carries General Liability, Liquor Liability, Commercial Property, Business Interruption, Employment Practices Liability, and Workers Compensation. Operators that deliver or cater add Commercial Auto and Hired & Non-Owned Auto, and most add an Umbrella / Excess policy to raise limits above a serious dram shop or injury claim.
- Coverage lines
- 10
- Priority tiers
- Core · Recommended · Situational
- Placed across
- 60+ carriers
Trusted by 60+ carrier partners
Core
Nearly every restaurant carries these.
Commercial Property
Rebuilds the space and replaces kitchen equipment, fryers, and fixtures after a loss.
Read the Commercial Property guideBusiness Interruption
Replaces lost income and covers spoilage while a location is closed.
Read the Business Interruption guideWorkers Compensation
Covers burns, cuts, and back injuries, and offsets high kitchen turnover.
Read the Workers Compensation guideEmployment Practices Liability
Handles harassment and wrongful termination claims from a high-turnover staff.
Read the Employment Practices Liability guideLiquor Liability
Responds when an over-served guest harms someone after leaving.
Read the Liquor Liability guideRecommended
Common gaps most operators should close.
Umbrella / Excess
Adds limits above your liability, liquor, and auto for catastrophic claims.
Read the Umbrella Insurance guideCyber Liability
Covers a POS or payment-system breach and the fallout that follows.
Read the Cyber Liability guideSituational
Depends on how you run the operation.
Commercial Auto
Covers owned vehicles used for delivery, catering, or supply runs.
Read the Commercial Auto guideHired & Non-Owned Auto
Protects the business when staff drive their own cars for deliveries.
Read the Hired & Non-Owned Auto guideBy segment
How the stack shifts by restaurant type
Every restaurant carries the core lines. Which recommended and situational lines matter depends on the operation.
CoreRecommendedSituational
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