Exposures to discuss
- Guest slips, falls, and premises injuries
- Food-related bodily injury allegations
- Catering, delivery, and off-premises events
- Liquor service when applicable
Restaurants · General Liability
Restaurant General Liability Insurance
Liability planning for dining rooms, takeout operations, catering, delivery, and customer-facing restaurant risks.
Connect the coverage to the operation
Restaurant liability grows from the full operation: customer traffic, food service, vendors, off-premises events, delivery, and contractual obligations. A useful review separates those activities so limits and coverage extensions can be evaluated against the way the restaurant actually serves customers.
Information to prepare
- Annual sales and seating capacity
- Food, alcohol, catering, and delivery revenue
- Lease and vendor insurance requirements
- Prior claims and corrective actions
Build a clearer submission
Accurate operational details, current values, loss history, and contract requirements help clarify the risk. Policy terms, limits, exclusions, eligibility, and availability vary by account and market.