Pricing numbers are based on representative partner data for 2025-2026 general liability policies. Based on policies from Jan 1, 2025 through Aug 11, 2026.
GENERAL LIABILITY
Restaurant $46/month for general liability
WHY IT MATTERS
Why Restaurant need business insurance
A restaurant can face customer injuries, employee accidents and damage to its kitchen or dining space. The right mix of coverage can help the business respond when a covered event disrupts operations.
SCENARIO 1
A customer slips in the dining area
General liability insurance may help with covered medical expenses, legal defense and damages arising from the injury.
SCENARIO 2
An employee is burned in the kitchen
Workers' compensation insurance may help with covered medical care and lost wages after a work-related injury, subject to policy terms and applicable requirements.
SCENARIO 3
A kitchen fire damages equipment
Commercial property insurance may help repair or replace covered equipment and other business property damaged by the fire.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Cooking methods and services
Operations involving fryers, open flames, catering or other added exposures can lead to greater underwriting scrutiny and higher pricing.
Sales and customer volume
Higher sales and more customer traffic can increase the liability exposure considered when pricing coverage.
Employees and payroll
More employees or higher payroll can increase workers' compensation pricing because more workplace exposure is being insured.
Property and equipment
A larger space or more equipment can increase property pricing because there is more business property to insure.
Delivery operations
Using vehicles for deliveries can add commercial auto exposure and increase the overall cost of the selected coverage.
Claims history
A history of frequent or severe claims can result in higher pricing, while clear loss details help underwriters evaluate the risk.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: Under $100K
National data
National rate factors
For a national restaurant business, rates and requirements vary by state and by carrier, while the details of each location also matter.
State and carrier variation
Insurance requirements, available coverage and pricing methods vary by state and by carrier.
Premises characteristics
Building construction, occupancy, kitchen layout and protective features can affect how property and liability exposures are evaluated.
Operating footprint
The number of locations, delivery territory and amount of road use can affect the exposures reviewed for coverage.
1,476
Quotes analyzed
51
States represented
5
Coverage lines
BEST RATE
How to get the best rate
Update your business details
Confirm your sales, payroll, employee count, services, locations and delivery operations before requesting coverage.
Document safety practices
Keep written procedures for food handling, cleaning, employee training, fire prevention and incident reporting.
Organize insurance records
Gather prior policy information and loss details so the business can be evaluated using complete information.
Match coverage to your risks
Review contracts, property values, vehicles and employee responsibilities before choosing coverage types, limits and deductibles.
FAQ
Common questions
What business insurance should a restaurant consider?
A restaurant may consider general liability insurance, workers' compensation insurance, commercial property insurance, a business owners policy and commercial auto insurance. The right mix depends on the restaurant's operations, employees, property, vehicles and contractual obligations.
Does general liability insurance cover foodborne illness claims?
General liability insurance may cover certain customer claims involving food sold or served by the restaurant. Coverage depends on the policy's terms, exclusions and product-related protections.
Are employee injuries covered by restaurant business insurance?
Workers' compensation insurance may help with covered medical care and lost wages after a work-related injury. Requirements vary by state and by carrier, and policy terms determine how a claim is handled.
Does commercial property insurance cover restaurant equipment?
Commercial property insurance may cover listed restaurant equipment when it is damaged by a covered event. Mechanical failure, wear and tear, flood and other causes may require separate coverage or may be excluded.
How can I request restaurant business insurance coverage?
Start by providing accurate details about your operations, sales, payroll, property, vehicles and prior losses. At Tivly, we help connect business owners with a licensed insurance partner based on the realities of their work.