Restaurant Insurance
Coverage built around the day-to-day risks of running a sit-down restaurant.
What this coverage is intended to address
- ✓Third-party bodily injury, such as a customer slip-and-fall in the dining room or near the entrance
- ✓Allegations of food-borne illness traced to a meal served on premises (product liability)
- ✓Build-out, kitchen equipment, and fixtures, when commercial property coverage is scheduled appropriately
- ✓Damage to a third party's property that may arise out of restaurant operations
Coverage products commonly considered
Most 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 guest slips on a freshly mopped floor and alleges injury. The general liability portion of a policy is generally intended to respond in the event of a covered claim.
- Several diners report illness after a service and allege it stems from a dish prepared in the kitchen. Product liability is the coverage typically intended to address allegations of this nature.
Frequently asked questions
Does restaurant insurance address food-borne illness claims?
Allegations that food served on premises caused illness generally fall under product liability, which is often packaged with general liability. Whether any particular claim is covered depends on the policy form, exclusions, and the facts involved. A licensed insurance professional can review the specifics for your operation.
Do I need separate coverage if I serve alcohol?
Liquor liability is typically handled by a separate endorsement or policy rather than standard general liability. If your restaurant serves beer, wine, or spirits, disclose it on the application so the exposure can be evaluated and priced.
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