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Your premium depends on restaurant type, annual revenue, number of employees, and location. Here are typical annual ranges for Southeast restaurants:
| Coverage Type | Small Cafe / Deli | Full-Service Restaurant | Fine Dining / Bar |
|---|---|---|---|
| General Liability | $800 - $1,500 | $1,500 - $3,000 | $2,500 - $5,000 |
| Commercial Property | $500 - $1,200 | $1,200 - $3,500 | $3,000 - $8,000 |
| Workers' Compensation | $1,000 - $2,500 | $2,500 - $6,000 | $4,000 - $10,000+ |
| Liquor Liability | N/A | $500 - $2,000 | $1,500 - $5,000 |
| Business Owners Policy (BOP) | $1,500 - $3,000 | $3,000 - $6,000 | $5,000 - $10,000+ |
| Food Contamination | $300 - $800 | $500 - $1,500 | $1,000 - $3,000 |
| Commercial Auto (per vehicle) | $1,200 - $2,000 | $1,200 - $2,500 | $1,500 - $3,000 |
| Umbrella ($1M) | $400 - $800 | $800 - $2,000 | $1,500 - $4,000 |
Don't leave gaps. Every restaurant should evaluate these coverages:
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Get My Free Risk Review Email Us DirectlyAfter reviewing hundreds of restaurant policies, these are the gaps that cost owners the most:
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Request Free Policy Review Email Your Dec PageMost restaurants pay between $2,500 and $10,000+ per year for comprehensive coverage. Small cafes and delis typically fall at the lower end, while full-service restaurants and bars with liquor service pay more due to higher liability exposure.
At minimum: general liability, commercial property, workers' compensation, and food contamination coverage. If you serve alcohol, add liquor liability. Delivery operations need commercial auto. We recommend an umbrella policy to extend all underlying limits.
Yes. General liability and products-completed operations coverage protect against third-party food poisoning claims. Food contamination insurance separately covers the cost of disposing contaminated inventory and lost income during a health department shutdown.
In many cases, yes. With 300+ carrier markets, we can often bind coverage same-day for straightforward restaurant risks. More complex operations (multiple locations, high liquor sales, prior claims) may take 2-5 business days for proper underwriting.
Captive agents represent one carrier. We represent you across 300+ markets, finding the best combination of coverage and price. Restaurant insurance is specialized -- you need an agent who knows the difference between a pizza shop and a fine dining establishment.