How much does Restaurant & Bar Insurance cost? Average premiums by business size, industry, and state — plus the key factors that drive your rate up or down.
Restaurant and bar insurance is a specialized business insurance package covering the unique risks of food service establishments — including general liability, liquor liability, commercial property, workers' compensation, food spoilage, and equipment breakdown.
Restaurants and bars face a distinctive combination of risk exposures: slip-and-fall premises liability, liquor liability from alcohol service, workers' compensation for kitchen injuries, commercial property for equipment and inventory, food spoilage, and cyber/POS system losses. A dedicated restaurant insurance package combines these coverages cost-effectively. Annual premiums for a full restaurant package typically range from $5,000–$30,000+ depending on size, alcohol sales, and location.
| Business Size | Annual Revenue | Typical Premium | Notes |
|---|---|---|---|
| Food Truck / Small QSR (no alcohol) | Under $500K | $2,500–$6,000/yr | GL, property, workers' comp. No liquor liability needed. Food truck requires mobile property coverage. |
| Small Full-Service Restaurant | $500K–$2M | $5,000–$15,000/yr | BOP + workers' comp + liquor liability if applicable. |
| Mid-Size Restaurant / Bar | $2M–$5M | $12,000–$30,000/yr | Significant liquor liability exposure. Equipment breakdown and food spoilage important. |
| Nightclub / High-Volume Bar | $1M+ | $25,000–$75,000+/yr | Liquor liability dominant. Late-night hours, security requirements, assault/battery considerations. |