General liability for restaurants
Published 2026-06-05 · Updated 2026-06-11 · by Brokly
If a diner is hurt on your premises — or the food you serve makes someone sick.
What it covers for full-service restaurants
Protects the restaurant against claims of bodily injury or property damage to others: a guest who slips in the dining room, or a customer injured 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 dining room full of guests plus food as your product means injury exposure every shift.
Sources: Texas Department of Insurance — Commercial general liability insurance (retrieved 2026-06-06)
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 full-service restaurants — same URL, real numbers.
Until then, see what full-service restaurants need state by state: Alabama · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · all states →
Stay informed
Coverage rules change.
We’ll send the updates that affect your business.