What does restaurant general liability cover?

Third-party injury and property damage from your operations, including slip-and-fall and foodborne-illness claims. Alcohol claims generally need separate liquor liability.

Does general liability cover alcohol claims?

Generally not. Liquor liability is a separate coverage because general liability often limits or excludes alcohol-related claims. Rules vary by state.

Is general liability required by my lease?

Usually yes. Leases and vendors commonly require general liability at set limits, often with additional insured status. We line your policy up with the requirement.

Restaurant General Liability - Vantage Point Risk

Restaurant general liability insurance.

General liability is the foundation of a restaurant program: it responds to the guest who slips, the foodborne-illness claim, and the property damage your operation causes. Most leases and vendors require it.

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Restaurant general liability insurance covers third-party bodily injury and property damage from your operations, including slip-and-fall claims, foodborne illness allegations, and damage you cause to others. It is the coverage leases, landlords, and vendors most often require.

What it covers for a restaurant

General liability responds to the everyday premises exposure of a restaurant: a guest who slips on a wet floor, an injury in the dining room, or property damage you cause. It also addresses foodborne-illness and product claims arising from the food you serve, within its terms.

What to watch for

Alcohol claims are generally limited or excluded and need separate liquor liability. Assault-and-battery, and sometimes specific food exposures, can be limited too. Reading the exclusions against how you actually operate is where a restaurant policy is won or lost.

The documents it supports

General liability is the coverage your lease, landlord, and vendors most often require proof of, usually with additional insured status and specific limits. We make sure your policy can produce the certificate they ask for.

Restaurant general liability insurance.

What it covers for a restaurant

What to watch for

The documents it supports

Common questions.

Is this coverage right on your policy?

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Liquor Liability

Property Insurance

Restaurant Coverage Review

Build liability coverage that fits your restaurant.