Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Sep 15, 2026.
GENERAL LIABILITY
Restaurant - Limited Service $91/month for general liability
WHY IT MATTERS
Why Restaurant - Limited Service need business insurance
A busy counter, hot cooking equipment and frequent food pickups create several types of risk. Business insurance can address covered incidents through separate policies selected for your restaurant’s operations.
SCENARIO 1
A customer slips near the counter
General liability insurance may help with covered medical expenses, legal defense costs and damages if a customer is injured at your restaurant.
SCENARIO 2
A kitchen fire damages equipment
Commercial property insurance may help repair or replace covered cooking equipment, furnishings and other business property after a covered fire.
SCENARIO 3
An employee is hurt at work
Workers’ compensation insurance may help with covered medical care and wage replacement when an employee suffers a work-related injury.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Restaurant revenue
Higher revenue can increase liability exposure and may result in a higher general liability insurance quote.
Employee payroll
A larger payroll can increase the cost of workers’ compensation insurance because more employee work is being insured.
Cooking operations
Frying, grilling and other heat-based cooking can increase property and liability exposure, which may raise the relevant quotes.
Property and equipment values
Insuring more valuable equipment, furnishings or inventory can increase a commercial property insurance quote.
Claims history
Frequent or serious prior claims may lead to higher quotes, while a history with fewer claims may be viewed more favorably.
Coverage selections
Broader coverage, higher limits and lower deductibles generally increase the quote for the policy being considered.
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
Across the country, rates and requirements vary by state and by the company reviewing the application.
State requirements
Workers’ compensation rules and other insurance requirements vary by state, which can affect the coverage a restaurant needs.
Property hazards
Exposure to severe weather, fire and other property hazards can affect commercial property insurance quotes.
Repair and medical costs
Differences in repair, replacement and medical costs can influence how insurers assess property, liability and workplace injury exposure.
655
Quotes analyzed
50
States represented
4
Coverage lines
BEST RATE
How to get the best rate
Review your operations
Describe your cooking methods, delivery activity, seating and alcohol service accurately so each quote reflects the work you actually perform.
Improve safety controls
Document cleaning schedules, equipment maintenance, fire protection and employee training before requesting coverage.
Choose limits carefully
Check your lease and customer contracts, then select limits that fit those obligations and your restaurant’s exposure.
Organize your records
Gather payroll, revenue, property values and prior coverage information so your application is complete and consistent.
FAQ
Common questions
What insurance does a limited-service restaurant need?
The right coverage depends on the restaurant’s operations, property, employees and contracts. Common options include general liability insurance, commercial property insurance, workers’ compensation insurance and a business owners policy, with each coverage addressing different risks.
What does general liability insurance cover for a restaurant?
General liability insurance may cover third-party bodily injury, property damage and related legal defense costs. Coverage depends on the policy’s terms, exclusions, limits and the circumstances of the claim.
Does restaurant insurance cover kitchen equipment?
Commercial property insurance may cover owned kitchen equipment after a covered event. The policy should reflect current equipment values, and deductibles and exclusions still apply.
Is workers’ compensation insurance included in general liability insurance?
No, workers’ compensation insurance and general liability insurance are separate coverage lines. Workers’ compensation addresses covered employee work injuries, while general liability insurance generally addresses covered third-party claims.
Can a limited-service restaurant use a business owners policy?
A business owners policy may combine general liability insurance and commercial property insurance in one policy. Eligibility and available coverage depend on the restaurant’s operations and the insurer’s guidelines.