2026 Calculator
Restaurant Insurance Calculator
Estimate your restaurant business insurance costs
Legal Disclaimer
This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
Frequently Asked Questions
How much does restaurant insurance cost in 2026?
Restaurant insurance typically costs $5,000-$15,000 per year for a full-service restaurant. This includes GL, property, and workers comp. Bars and establishments serving alcohol pay more due to liquor liability requirements averaging $2,000-$4,000 extra annually.
What insurance does a restaurant need?
Restaurants need: General Liability (slip/fall, foodborne illness), Property/BOP (equipment, inventory), Workers Compensation (kitchen burns, cuts), and Liquor Liability if serving alcohol. Many landlords require proof of insurance before signing a lease.
Does restaurant insurance cover food poisoning claims?
Yes. General liability insurance covers foodborne illness claims including medical costs, legal defense, and settlements. Product liability within your GL policy specifically covers claims from food you serve. Proper food handling training can reduce your premiums.
Why do restaurants need liquor liability insurance?
Liquor liability protects you when an intoxicated patron causes harm to themselves or others. In most states, 'dram shop' laws hold bars and restaurants liable for overserving. This coverage is typically required to obtain a liquor license.
Is workers comp required for restaurant employees?
Yes, in most states. Restaurant workers comp rates ($3-$8 per $100 payroll) are relatively low compared to construction, but kitchen injuries (burns, cuts, slips) are common. Workers comp is required if you have even one employee in most states.