Restaurants & Cafes Insurance
General Liability Insurance
for Restaurants & Cafes
Restaurants are one of the highest-risk businesses for slip-and-fall claims. Wet floors, outdoor patios, parking lots, and crowded dining rooms all present injury risk. General liability covers customer injuries on your property, food-related illness claims, and property damage to patrons' belongings.
Industry-Specific Insight
Why Restaurants & Cafes Businesses Need General Liability Insurance
Restaurants are one of the highest-risk businesses for slip-and-fall claims. Wet floors, outdoor patios, parking lots, and crowded dining rooms all present injury risk. General liability covers customer injuries on your property, food-related illness claims, and property damage to patrons' belongings.
Coverage Details
What General Liability Insurance Covers
Key protections included in a general liability policy for restaurants & cafes operations.
FAQs
Common Questions from Restaurants & Cafes Businesses
Does GL cover a customer who gets sick from my food?
Food-borne illness claims fall under your general liability policy's products liability coverage. If a customer gets ill and claims it was from your food, GL covers your defense and any settlement.
What GL limits do most restaurants need?
Most standalone restaurants carry $1M per occurrence / $2M aggregate. If you have a liquor license, landlords may require higher limits. We help you determine the right amount.
How much general liability coverage do I need?
Common options range from $500,000 to $2 million per occurrence, with higher aggregate limits available. Requirements vary by industry and client contracts. A licensed agent can discuss what's appropriate for your business size and risk.
Does general liability cover my employees?
No — employee injuries are covered by workers compensation, not general liability. GL focuses on third-party claims from customers, vendors, and the public.
Complete Coverage
Other Coverages Restaurants & Cafes Businesses Commonly Need
A complete protection plan for restaurants & cafes operations typically includes several complementary coverages.
Restaurants & Cafes · General Liability
Get General Liability Coverage for Your Restaurants & Cafes Business
Our licensed agents specialize in restaurants & cafes insurance. We compare options from 96+ carriers to find the right general liability coverage at a competitive price.