Liability Insurance for Restaurants

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Liability Insurance for Restaurants


Liability Insurance for Restaurant Owners and Managers

Eating at a restaurant is supposed to be an enjoyable experience. Delicious food, good atmosphere, excellent service, etc. Dining experiences are supposed to be harmless but accidents do happen. If you own a restaurant, you want to make sure you’re prepared for the worst. Accidents such as a slip and fall, an injured employee, a foodborne illness, or a building fire could put you at a financial loss or even out of business.

restaurant insurance
restaurant insurance

What You Need To Know About Restaurant Insurance

What Does Liability Insurance for Restaurants Cover?

Restaurants face a variety of liability exposures. At XINSURANCE, we’ll work with you to tailor a plan that addresses your most prominent risks. Specific coverage options can include:

  • General liability: This insurance offers broad liability coverage for bodily injuries and property damage sustained by third parties while they’re in your establishment or on the property. For example, suppose a diner slips on a wet spot on the floor while walking to the restroom. Your policy will cover their medical bills and protect you if they decide to sue.
  • Product liability: Someone could become ill after eating at your restaurant, but product liability insurance will cover you in a number of situations. For instance, if you mistakenly serve under-cooked food that sends a diner to the hospital for treatment, your product liability insurance will cover you.
  • Liquor liability: If your restaurant serves alcoholic beverages, you’ll likely need liquor liability insurance. This coverage will protect you against claims related to over-serving. If a diner is involved in an auto accident after driving from your establishment, this coverage will help.
  • Commercial auto (available in some states): Does your restaurant offer food delivery service? You’ll need a commercial auto plan if you allow employees to use vehicles owned by your establishment to make the deliveries. The liability component will provide third-party coverage if one of your drivers causes an accident that leads to injuries or property damage.
  • Communicable disease coverage: Use communicable disease coverage to safeguard your business against claims of negligence arising from exposure to transmittable illnesses.

Please note that we do not provide worker’s compensation.

XINSURANCE Will Give You True Peace of Mind

With XINSURANCE, you will have the customized coverage you need through our all-in-one policy. By reviewing your operations and experience level, we provide insurance solutions made to fit your needs. We specialize in helping business owners who have trouble obtaining liability insurance elsewhere or have been canceled or non-renewed by their carrier. So no matter the restaurant, no matter the risk or history, we are here to help you. You’ll have true peace of mind knowing you’re doing everything possible to safeguard your assets.

Examples of the types of dining establishments for which we provide liability insurance include:

  • Sandwich shops
  • Delicatessens
  • Diners
  • Cafes
  • Pizzerias
  • Fast food restaurants

Tru Umbrella Coverage and Excellent Service

When you partner with XINSURANCE, you’ll get a liability policy with limits that work for your business. You can receive up to $10 million in coverage and as much as $20 million through our reinsurance partners. Because we offer all-in-one protection, you won’t need to carry multiple policies to get the coverage you require.

We enhance your policy with exceptional support for as long as someone is a policyholder. Our prompt, efficient claims service saves time and offers true peace of mind. We’ll even take over old, unsettled claims on other policies.

Getting liability insurance for restaurants is a fast, straightforward process. Apply online at your convenience and submit the completed app to our underwriting team for immediate review. We’ll then set up a phone conversation to discuss your situation in more detail. Once you agree to the terms and pay the first premium, we’ll issue your new policy without delay.

Get Your Free Quote Today

Take the next step toward the comprehensive liability insurance for your restaurant, complete the form above. If you have any questions and would like to speak to a representative, give us a call at 877-585-2853.




insurance for restaurants

Slips and falls are the #1 cause of accidents in hotels, restaurants, and public buildings.

insurance for restaurants

Cooking equipment (38%) and electrical distribution and lighting equipment (21%) are the top causes of property damage in restaurants.

insurance for restaurants

During 2010-2014, an estimated average of 7,410 structure fires in eating and drinking establishments were reported to U.S. fire departments per year, resulting in $165 in property damage.

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