Diner Insurance
Coverage for diners running full table service, hot kitchens, and high customer turnover from open to close.
What this coverage is intended to address
- ✓Customer slip-and-fall bodily injury that may arise on a wet floor, near a booth, or at the entrance
- ✓Product liability for a meal alleged to have caused a food-borne illness
- ✓Property damage to a customer's belongings that may occur during a visit
Coverage products commonly considered
Most diner operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A customer slips on spilled coffee near a booth and alleges an injury — general liability is intended to respond in the event of a covered claim.
- A diner alleges a hot-plate meal caused a food-borne illness after dining. Product liability is generally intended to respond to allegations of this nature, subject to the policy form.
Frequently asked questions
What food risks does a diner face?
High-volume table service brings both premises exposures like slips and product exposures like an alleged food-borne illness. General liability and product liability are generally intended to respond to those respective covered claims.
Is liquor liability included?
Liquor liability applies only when alcohol is served. If your diner serves beer, wine, or spirits, disclose it so the carrier can address that exposure; otherwise it generally does not apply.
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