Restaurant coverage guide
General liability for restaurants
Updated 2026-06-11 · by Brokly
If a diner is hurt on your premises — or the food you serve makes someone sick.
Coverage
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)
By state
General liability by state
What full-service restaurants need varies by state. See the full guide for full-service restaurants in your state: Alabama · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · all states →