Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Sep 8, 2026.
GENERAL LIABILITY
Restaurant - Full Service $142/month for general liability
WHY IT MATTERS
Why Restaurant - Full Service need business insurance
A full-service restaurant faces risks involving guests, employees, food preparation, property, and business vehicles. The right mix of coverage can help address covered claims without treating every risk as the same.
SCENARIO 1
A guest slips in the dining room
General liability insurance may help with covered medical expenses, legal defense, and damages if a guest claims the restaurant caused an injury.
SCENARIO 2
A kitchen fire damages equipment
Commercial property insurance or a business owners policy may help repair or replace covered kitchen equipment, furniture, and other business property.
SCENARIO 3
An employee is burned while cooking
Workers' compensation insurance may help with covered medical care and lost wages after a work-related employee injury, subject to policy terms.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Sales and guest traffic
Higher sales and more customer activity can increase liability exposure and may lead to a higher quote.
Payroll and employee count
A larger team or higher payroll can increase workers' compensation exposure and may raise the rate for that coverage.
Cooking methods
Open flames, fryers, grills, and other high-heat equipment can increase fire and injury exposure, which may raise property and liability rates.
Property and equipment values
More valuable kitchen equipment, furnishings, inventory, or building improvements can require more property coverage and may increase the quote.
Alcohol service
Serving alcohol adds a separate liability exposure and may increase the restaurant's coverage needs and rate.
Delivery and business driving
Restaurant-owned vehicles or employee driving for work can add commercial auto exposure and may increase the overall yearly cost of coverage.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: $100K–$499K
National data
National rate factors
Restaurant rates and requirements vary by state and by insurer, even when the business operations are otherwise similar.
State requirements
Workers' compensation, commercial auto, and other insurance requirements can vary by state, affecting which policies a restaurant may need.
Property surroundings
The conditions surrounding a restaurant location can influence how an insurer evaluates fire, theft, weather, and property damage exposure.
Available insurance options
Insurer appetite for restaurant risks can vary, which may affect available coverage terms, deductibles, and rates.
536
Quotes analyzed
48
States represented
5
Coverage lines
BEST RATE
How to get the best rate
Document safety procedures
Write down opening, closing, cleaning, food-handling, and equipment-maintenance procedures so insurers can understand how the restaurant manages risk.
Update business details
Gather current sales, payroll, employee, seating, alcohol-service, delivery, and property information before requesting a quote.
Review property values
Create an updated inventory of kitchen equipment, furnishings, stock, and improvements so coverage reflects what the restaurant owns.
Choose limits carefully
Review contract requirements, deductibles, and coverage limits instead of selecting options that leave important restaurant exposures unaddressed.
FAQ
Common questions
What business insurance does a full-service restaurant need?
The right coverage depends on the restaurant's operations, employees, property, contracts, alcohol service, and vehicle use. Common options include general liability insurance, commercial property insurance, workers' compensation insurance, a business owners policy, commercial auto insurance, and coverage for alcohol-related liability when applicable.
What does general liability insurance cover for a restaurant?
General liability insurance may help with covered third-party bodily injury, property damage, and related legal defense. It generally does not replace coverage for employee injuries, business vehicles, or damage to the restaurant's own property.
Does restaurant insurance cover kitchen equipment?
Commercial property insurance may cover eligible kitchen equipment against causes of loss listed in the policy. Coverage depends on policy terms, limits, deductibles, equipment values, and whether the restaurant owns or leases the property.
Is workers' compensation insurance necessary for a restaurant?
Workers' compensation requirements vary by state and by the restaurant's employment situation. When included, the coverage may help with eligible medical expenses and lost wages after a work-related employee injury.
How can a restaurant prepare for a business insurance quote?
Prepare accurate information about sales, payroll, employees, cooking methods, seating, alcohol service, delivery operations, vehicles, property, and prior claims. At Tivly, we help connect business owners with a licensed insurance partner based on the realities of their work.