Fast-food restaurant coverage guide
General liability for fast food
Updated 2026-06-11 · by Brokly
If a customer slips in your dining area or drive-thru line — or the food you serve makes someone sick.
Coverage
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)
By state
General liability by state
What fast-food restaurants need varies by state. See the full guide for fast-food restaurants in your state: Alabama · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · all states →