Coverage Guide
Restaurant Insurance Coverage Guide
Essential coverage for restaurants and food service businesses
Liquor Liability Required for Alcohol Service
Dram shop laws in most states hold restaurants liable when an intoxicated patron causes harm. Liquor liability insurance is typically required to obtain a liquor license and costs $2,000-$4,000/year.
Coverage Types
General Liability
Slip/fall, food illness
$3,500
Base Annual
Property/BOP
Building, equipment, inventory
$4,000
Base Annual
Workers Compensation
Kitchen injuries, burns
$4,500
Base Annual
Liquor Liability
Alcohol-related claims
$2,500
Base Annual
Restaurant Type Rates
| Restaurant Type | Description | Rate Factor |
|---|---|---|
| Fast Food/QSR | Limited service | ×0.85 |
| Casual Dining | Full service | ×1 |
| Fine Dining | Upscale service | ×1.25 |
| Bar & Grill | Alcohol focus | ×1.35 |
| Food Truck | Mobile operation | ×0.75 |
| Catering Only | Off-site events | ×0.9 |
*Bars and establishments focused on alcohol service have highest rates