What are the different types of Restaurant Insurance that I may need?

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• Property & General Liability

• Liquor Liability

• Commercial Auto vs. Hired Non-Owned Auto

• Worker's Compensation

• Professional Liability (E&O)

• Commercial Umbrella

• Food Spoilage 

 

How much does Restaurant Insurance cost?

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There are many different factors that can affect your cost for restaurant insurance, including your:
 

• Location, because some states have minimum coverage requirements that can increase your insurance cost.

• History, especially if you’ve faced many claims and lawsuits in the past.

• Number of Employees, because the more employees you have, the more it can cost for coverage.

• Policy terms, like choosing a higher coverage amount, deductible or earlier retroactive date.

• General aggregate limit, the total amount of coverage you may need for potential losses.