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General liability for fast food
Published 2026-06-11 · by Brokly
Slip-and-falls in the dining area or drive-thru line — and illness caused by the food you serve.
What it covers for fast-food restaurants
Protects the restaurant against claims of bodily injury or property damage to others: a customer who slips in the self-service dining area, at the counter, or in the drive-thru queue, or one made ill by food the restaurant served — the CGL's premises and products sections respond to the trade's slip-and-fall and foodborne-illness exposures. A constant flow of walk-in and drive-thru customers plus food as your product means injury exposure every shift.
Sources: Texas Department of Insurance — Commercial general liability insurance (as of updated 2021-01-20, retrieved 2026-06-11)
What it costs — benchmark in progress
The same treatment our workers’-comp benchmarks already get: real filed-rate and quote data for general liability, by state and business size, fully sourced and dated. As quote data accumulates, this page becomes the general liability benchmark for fast-food restaurants — same URL, real numbers.
Until then, see what fast-food restaurants need state by state: Alabama · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · all states →
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