Restaurant general liability Quotes

Restaurant general liability helps address claims that a guest was injured or that a third party's property was damaged in connection with restaurant operations — slip-and-fall in the dining room, a hot-plate burn at the pass, or a patio chair that fails under ordinary use.

Food-service GL conversations also cover products/completed operations themes when a guest claims illness from food prepared on premises. Definitions and exclusions on the issued form control what attaches — not marketing adjectives on a web page.

We ask for seating capacity, liquor service (if any), delivery or catering off-site, and whether you use third-party delivery platforms. Those operations details change how underwriters read a restaurant GL submission.

If a product is outside our appetite or the markets we place, we may refer your request to a partner or affiliate agency or brokerage with your consent. That authorization lives on the quote form with privacy and terms on this domain.

Preparing a restaurant GL submission: legal entity name, concept (full-service, QSR, cafe, bar, food truck, catering), address in a service-area state, approximate sales, employee count, and an optional write-up of hours, seating, and guest flow.

Patio, valet, and live-music exposures belong in the description when they apply. Temporary outdoor seating should be called out rather than discovered later.

A quote is not a binder. Coverage exists only when a carrier issues confirmation according to its rules and the policy forms it issues.

Contact timing after you submit: as soon as possible; it can take 1–2 business days. Incomplete forms without required fields or consent delay review.

This page is for commercial restaurant and hospitality insurance shopping only. No personal lines.

Cross-link state hubs for Washington, Oregon, Idaho, Nevada, Arkansas, Arizona, South Dakota, Pennsylvania, Texas, and Indiana, then finish with Get a Quote.

A quote is not a binder. Contact timing after a complete request: as soon as possible; it can take 1–2 business days.

Cross-link /restaurant-insurance/ state hubs and city pages in the city directory, then finish with Get a Quote on /quote/.

This topic page is commercial restaurant and hospitality insurance only — no personal lines.

Exclusions and endorsements on issued forms control what attaches. Marketing copy on this page is not a policy.

If your operation spans multiple cities in a service-area state, submit the primary premises first and list other locations in the description.

Hood cleaning, server training, and delivery-radius notes appear on many restaurant applications — mention current posture briefly when known.

Venue certificate requirements and landlord insurance exhibits help some files; mention them when they exist.

Sales band is optional on our form, but industry/concept and required contact fields are not. Incomplete submissions delay review.

Browse /faq/ for binder and consent questions, /accessibility/ for WCAG 2.2 AA aims, and /quote/ when you are ready to submit.

State restaurant quote hubs

Questions

What is restaurant general liability in a commercial restaurant quote?

Third-party bodily injury and property damage for dining rooms, patios, delivery handoffs, and guest incidents. A quote is not a binder.

Which states can request this coverage topic?

U.S. businesses in Washington, Oregon, Idaho, Nevada, Arkansas, Arizona, South Dakota, Pennsylvania, Texas, and Indiana.

How fast will you contact me?

As soon as possible after a complete request; it can take 1–2 business days.

Is a quote a binder?

No. Coverage exists only when a carrier issues confirmation under its rules and policy forms.

Browse all states · Get a Quote

State restaurant quote hubs

Related coverage topics

Questions