Restaurant insurance cost in 2026
Restaurant insurance costs $25 to $333 per month for general liability in 2026, and most people pay about $141.
What moves the price
- The type of policy changes the price, such as general liability, workers' compensation or liquor liability.
- The size of the restaurant and the number of workers matter.
- Serving alcohol adds a liquor liability cost.
- The state and city where the restaurant sits change the rate.
- Claims history and sales can move the price.
What is included
A general liability policy covers customer injuries and property damage claims. Workers' compensation, property, liquor, auto and cyber cover are separate policies with their own prices. A business owner's policy bundles some of them for less.
Median cost by policy
| Policy | Insureon per month | TechInsurance per month |
|---|---|---|
| Business owner's policy | $337 | $251 |
| General liability | $192 | $141 |
| Workers' compensation | $118 | $113 |
| Liquor liability | $45 | $45 |
| Commercial auto | $222 | $181 |
| Cyber | $129 | $129 |
Average prices in US dollars. Source: Insureon.
NEXT Insurance monthly figures
| Policy | Cost per month |
|---|---|
| General liability, average | $74 |
| General liability, most customers | $54 to $333 |
| Workers' compensation, median | $160 |
| Commercial property, average | $107 |
Average prices in US dollars. Source: Insureon.
Ways to pay less
- Ask for a business owner's policy, which bundles liability and property cover.
- Compare quotes from more than one insurer before buying.
- Pay the full year up front if the insurer offers a discount for it.
What price guides say
We checked 3 price guides and read every number on their pages. They do not all measure the same thing, so the ranges on this page come from putting them side by side.
- Insureon: Restaurant Insurance Cost
- TechInsurance: Restaurant Insurance Cost
- NEXT Insurance: Restaurant Insurance Cost
Common questions
How much does this cost in 2026?
Restaurant insurance costs $25 to $333 per month for general liability in 2026, and most people pay about $141. Most people pay about $141 per month for general liability. The low end is $25 and the high end is $333.
What changes the price the most?
The biggest factors are: The type of policy changes the price, such as general liability, workers' compensation or liquor liability; The size of the restaurant and the number of workers matter; Serving alcohol adds a liquor liability cost.
How can I pay less?
Ask for a business owner's policy, which bundles liability and property cover. Compare quotes from more than one insurer before buying. Pay the full year up front if the insurer offers a discount for it.
Where do these numbers come from?
From 3 named price guides: Insureon, TechInsurance, NEXT Insurance. Each one is linked on this page with the date we read it.
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