General liability insurance is often the first policy food and beverage business owners purchase.

It provides protection against lawsuits, accidents, and negligence that could otherwise ruin your business financially. It is also required for most commercial restaurant leases. A policy provides liability protection in respect of injuries to customers - property damage to customers - liquor liability of the host - advertising injuries, such as libel, slander, and copyright infringement.


Bundle policies for better protection – and a discount


If your restaurant, bakery or other food business is relatively small and low-risk, you may be able to bundle general restaurant insurance with commercial property insurance in a business owners policy (BOP) that costs less than buying each policy separately. For better protection, you can add to your general liability commercial auto insurance, restaurant insurance or BOP such as:

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