for Restaurants, Bars, Catering & Other Food Services Businesses

Food service professionals—from restaurateurs to catering business owners—know that serving customers and clients comes with risks. From Liquor Liability to tripping on welcome mats, accidents happen every day, no matter how well prepared your food service business may be.

To safeguard your food service business against the unpredictability of accidents, oversights, and lawsuits, General Liability Insurance is a must. Food service professionals rely on adequate General Liability Insurance to ensure their business is prepared for the risks of lawsuits over accidents, injuries, and illnesses, even if the claim is false.

Keep reading to discover how you can protect your food service business with General Liability Insurance.

General Liability Insurance: Protecting Restaurant and Bar Owners

General Liability Insurance: Protecting Restaurant and Bar Owners

Whenever a patron enters your food service establishment, your business could be found liable, should an accident ensue. For example, if a customer slips on a wet floor and breaks their wrist, they could file a lawsuit against your food service business. Even if the court does not rule in their favor, your food service business would still be responsible for court costs, including the steep attorney's fees to defend your business in court.

General Liability Insurance for food service professionals, however, protects your establishment against these kinds of claims as well as claims related to damaged property. Should your food service business be found liable for a claim, your business assets could be seized to pay the judgment if you don't have adequate protection.

General Liability coverage protects your company and its employees from claims brought against your business. For food service professionals, General Liability Insurance offers the peace of mind that your business can survive a costly lawsuit and still have the necessary funds to continue operating. Because legal fees can easily bankrupt a small business, General Liability Insurance is an essential component in any business protection plan, especially for food service professionals who serve others on a daily basis.

General Liability Insurance for Restaurants and Bars: Key Details

General Liability Insurance for Restaurants and Bars: Key Details

While shopping for coverage to protect your restaurant, food truck, or catering business, be sure to ask your insureon agent about the policies that fit your business needs. To help you get an idea about what kind of protection your food service business might require, take a look at the following types of claims and how General Liability shields your business from financial loss.

Bodily Injury Claims

As professionals in a fast-paced industry, food service business owners know how quickly an accident can befall a patron in their establishment. From hot coffee burns to allergic reactions and food poisoning, your food service business must be prepared for the common lawsuits and mishaps that could derail a small business without adequate General Liability coverage.

If a third party's injury or illness results in death, your General Liability policy will cover medical expenses, funeral expenses, and court-awarded compensation. However, your own employees' on-the-job injuries or job-related illnesses are not covered under this policy; for that protection, consider purchasing Workers' Compensation Insurance.

Property Damage Claims

General Liability Insurance can also protect your food service business from liability due to injuries or property damage that happen at other locations. For example, if your business caters a corporate reception and your food-warming equipment malfunctions and starts a fire, any resulting lawsuits alleging property damage would be handled by your policy.

Liquor Liability Coverage

If your business sells or serves alcohol to patrons, you'll probably need to purchase a Liquor Liability policy separately. If, on the other hand, you don't serve alcohol to customers but might occasionally offer it at a company party or similar event, the Liquor Liability coverage offered by your General Liability policy may be adequate to protect you against the risks you face. Visit our Liquor Liability Insurance page for more information about how this coverage protects your food service business.

Personal and Advertising Injury Claims

If you use advertising or promotional material to attract customers to your restaurant, food truck, catering business, or other food services business, you may want to consider a General Liability policy that covers copying another party's advertising or infringing on copyrights or brands. This protection will also shield your food service business from allegations that it caused non-physical damages to another person or entity through libel or slander.

Medical Expenses Claims

General Liability Insurance also includes coverage for claims relating to medical expenses due to a third party's injury on your business premises. Since medical expenses can easily exceed thousands of dollars, this protection is invaluable to small-business owners. Should a customer or someone who is not one of your employees be injured in your establishment, immediate medical attention is advised. Insurance companies usually prefer to cover the expenses of immediate medical attention rather than let the situation go unattended and have that person level a claim against your business.

Protect Your Restaurant or Bar

Protect Your Restaurant or Bar

When you're ready to safeguard your food service business from uncertainty with General Liability Insurance, simply complete our hassle-free online application process today (it only takes minutes!), and once you find a policy that fits your needs, you can begin coverage in less than 24 hours.

Grab-n-Go Information

food services eBookS
Download free eBooks and in-depth guides on growing your business and keeping it safe.
Browse eBooks
Sample certificates
See a sample Certificate of Liability Insurance, the proof of coverage you need for most contracts.
Download pdf
Sample Quotes & Cost Estimates
See what insurance really costs: actual quotes by policy & specialty.
Learn More
Ask A Question
Submit your questions about restaurant insurance and get answers from our experts.
Learn More