Take-Out Restaurant Insurance
Coverage for take-out restaurants where food is prepared for off-site eating and customers and drivers move quickly through a pickup area.
What this coverage is intended to address
- ✓Customer slip-and-fall bodily injury that may arise in the pickup or waiting area
- ✓Product liability for prepared take-out food alleged to have caused a food-borne illness
- ✓Property damage to a customer's or delivery driver's belongings that may occur on the premises
Coverage products commonly considered
Most take-out 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 in a crowded pickup area and alleges an injury — general liability is intended to respond in the event of a covered claim.
- A patron alleges that take-out food eaten at home caused a food-borne illness. Product liability is generally intended to respond to allegations of this nature, subject to the policy form.
Frequently asked questions
Does product liability still apply if food is eaten off-site?
Yes — an alleged food-borne illness can arise whether food is eaten in-house or at home. Product liability is generally intended to respond to such covered claims regardless of where the meal is consumed.
What about delivery and liquor liability?
Delivery driving and alcohol sales are distinct exposures. Disclose any owned delivery vehicles or alcohol sales on the application; liquor liability generally does not apply unless you serve or sell alcohol.
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