Calculate restaurant insurance costs. GL, property, workers comp, and liquor liability for restaurants and food service. Based on 2026 NAIC data.
Calculate Your PremiumRestaurant insurance is a package of coverage designed for food service businesses. It typically includes General Liability, Property/BOP, Workers Compensation, and Liquor Liability for establishments serving alcohol.
In 2026, restaurant insurance costs $5,000-$15,000 per year. Slip-and-fall claims account for 35% of all restaurant liability claims. Bars pay significantly more due to liquor liability requirements.