restaurant insurance cost

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How much does restaurant insurance cost?

Restaurant insurance can cost as little as $25 per month^¹ but the exact price you’ll pay depends the work you do, where you work, how many employees you have and other factors.^**

It’s important to provide the most accurate information about your business to make sure you get the coverage that is right for you, so that your claims are covered by your policy and so that any claim you might make is processed as quickly as possible.^***

What are the coverage and pricing options for restaurant insurance?

We offer customized packages to each customer so you can find the coverage that you want. You pay only for what you need.

Restaurant business owners like you typically purchase a combination of coverage in their insurance package, including:

General liability — can help protect you if bodily injury or damage to someone else or their property occurs
Workers’ compensation — can help protect you if your employee has a workplace injury or work-related illness
Commercial property — can help protect you if you own your own building, lease property or work from home

After you answer a few basic questions with our online instant quote, you can review your options and choose the amount of coverage you want from our Basic, Pro and Pro+ packages.

Continue reading to learn more about how much different types of insurance costs and their coverage limits.

How much is restaurant General Liability insurance?

General liability insurance costs 68% of our customers $73 on average per month.

It can help to protect your business from financial losses related to customer injuries, accidental damage to someone’s property and copyright infringement.

Monthly General Liability insurance costs for restaurant

Learn more about general liability insurance.

Exploregeneral liability insurance costs.

Most of our customers can expect to pay:

Between $53 and $332 per month.

Per occurrence limit:

$500,000 to $1 million, depending on your policy (“Per occurrence” refers to the most amount of money you’ll receive after a field claim is approved).

Aggregate policy limit:

$500,000 to $2 million, depending on your policy (“Aggregate policy limit” refers to the amount of money your policy will cover, usually about a year).

Deductible:

$0 (a “Deductible” is the amount of money you’d have to pay out of pocket if you made a claim).

How much is restaurant Workers’ Compensation insurance?

Workers’ compensation insurance median cost is $139 per month.

Workers’ compensation insurance helps to pay for medical bills and lost wages if an employee suffers an injury on the job.

Workers’ compensation coverage makes it possible for injured employees to take the time they need to recover by helping to pay for medical expenses and lost wages.

Employer liability insurance (ELI) provides additional protection for instances in which the employee decides to sue you for a workplace injury. This is in addition to the medical payments already provided by workers’ compensation. For example, an employee falls off scaffolding because the employer didn’t maintain the safety harness and the employee decides to sue for pain and suffering based on the employer’s negligence.

While in most states workers’ compensation policies include employer liability, in North Dakota, Ohio, Washington and Wyoming it can be purchased as a stop-gap coverage.

Note that the amount you can expect to pay for workers’ comp depends on how many employees you have, your payroll, how your employees are classified as well as your industry.

Monthly Workers’ Compensation insurance costs for restaurant

Learn more about workers’ compensation insurance.

Exploreworkers' compensation insurance costs.

Most of our customers can expect to pay:

Median cost of $139 per month.

Workers’ comp no limit:

Coverage and benefits paid out according to state laws. Workers’ compensation helps to cover work-related employee injury, regardless of liability.

Employer Liability insurance (ELI):

Protection for instances in which the employer is liable for the injury to an employee.

Bodily injury per accident:

$100,000 to $1 million, depending on your policy.

Bodily injury by disease(per employee):

$100,000 to $1 million, depending on your policy.

Bodily injury by disease (aggregate):

$500,000 to $1 million, depending on your policy.

How much is restaurant Commercial Property insurance?

Commercial property insurance costs 46% of our customers $106 on average per month.

Commercial property insurance can help with replacement costs or repairs to your equipment, inventory and real estate (if you own it) if damage is caused by faulty sprinklers, frozen pipes, a power surge or other covered event.

Since property insurance sets limits based on what you need in a specific situation, coverage is unique to every customer.

Monthly Commercial Property insurance costs for restaurant

Learn more aboutcommercial property insurance.

Explorecommercial property insurance costs.