Fast Food Restaurant Insurance
Coverage for fast food restaurants with high-speed service, fryers, and constant customer traffic through dining and drive-thru.
What this coverage is intended to address
- ✓Customer slip-and-fall bodily injury that may arise on a wet floor or at the counter
- ✓Product liability for a quick-service meal alleged to have caused a food-borne illness or a burn
- ✓Property damage to a customer's belongings that may occur on the premises
Coverage products commonly considered
Most fast food restaurant 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 near a soda station and alleges an injury — general liability is intended to respond in the event of a covered claim.
- A patron alleges a hot beverage or fried item caused a burn or illness. Product liability is generally intended to respond to allegations of this nature, subject to the policy form.
Frequently asked questions
What are the main risks for a fast food restaurant?
High traffic and hot equipment drive both premises slip-and-fall exposure and product exposures like an alleged burn or food-borne illness. General liability and product liability are generally intended to respond to those respective covered claims.
Does this include liquor liability?
Most fast food restaurants do not serve alcohol, so liquor liability generally does not apply. If yours does, disclose it on the application so the carrier can address that exposure.
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