Retail & Restaurants Insurance
General Liability Insurance
for Retail & Restaurants
Restaurants and retail stores welcome hundreds or thousands of customers through their doors — and with foot traffic comes slip-and-fall risk. General liability is the foundation of any retail or food service insurance program, covering customer injuries on your premises and damage you cause to others.
Industry-Specific Insight
Why Retail & Restaurants Businesses Need General Liability Insurance
Restaurants and retail stores welcome hundreds or thousands of customers through their doors — and with foot traffic comes slip-and-fall risk. General liability is the foundation of any retail or food service insurance program, covering customer injuries on your premises and damage you cause to others.
Coverage Details
What General Liability Insurance Covers
Key protections included in a general liability policy for retail & restaurants operations.
FAQs
Common Questions from Retail & Restaurants Businesses
Does general liability cover a customer who slips on a wet floor?
Yes. Customer injuries on your premises, including slip and falls, are the most common general liability claim for restaurants and retail stores.
Does my landlord's insurance cover my retail business?
No. Your landlord's property insurance covers the building structure only. You need your own general liability and contents coverage for your operations and belongings.
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 Retail & Restaurants Businesses Commonly Need
A complete protection plan for retail & restaurants operations typically includes several complementary coverages.
Retail & Restaurants · General Liability
Get General Liability Coverage for Your Retail & Restaurants Business
Our licensed agents specialize in retail & restaurants insurance. We compare options from 96+ carriers to find the right general liability coverage at a competitive price.