General Liability
Guest injuries, slip-and-falls, and other third-party claims on your premises.
For a business that mixes property, food, liquor, guests, and staff — and the everyday claims that come with it.
Restaurants combine property-heavy operations, food handling, liquor service, and a constant flow of guests and employees — a mix that produces frequent and varied claims, from kitchen fires to slip-and-falls.
We build hospitality programs that protect the build-out and equipment you've invested in, the income that keeps you open, and the liquor and guest exposures that can turn one night into a lawsuit.
Request a coverage reviewThe core protections we typically structure for businesses like yours:
Guest injuries, slip-and-falls, and other third-party claims on your premises.
Distinct from general liability and important wherever alcohol is served — GL typically excludes liquor-related claims.
Your build-out, kitchen equipment, and refrigeration systems.
Lost income and spoiled inventory after a covered shutdown.
Burns, cuts, and slips are everyday kitchen exposures.
POS/payment-data breaches and the employment claims a high-turnover staff can bring.
No two operations are identical. If there's a risk specific to your business, we can structure coverage for it.
Talk to an advisorThe details that decide whether a policy actually protects you when it matters:
Confirm dram-shop and assault-and-battery exposures are addressed — and not quietly excluded at bars and clubs.
Common carve-outs in hospitality policies. Read them carefully before you assume you're covered.
A refrigeration failure can wipe out inventory overnight. Confirm both coverages are in place.
Make sure the indemnity period reflects how long a real rebuild would actually take.
Hood and suppression-system maintenance is often a policy condition — skip it and a fire claim can be denied.
Wage-and-hour and harassment claims are common in high-turnover hospitality staffs.
Usually yes. General liability typically excludes alcohol-related claims, so a business that serves alcohol generally needs a distinct liquor liability policy.
Common coverages include general liability, liquor liability, property and equipment breakdown, business interruption with spoilage, workers' compensation, and cyber/EPLI.
Spoilage from a covered event or an equipment breakdown can be covered, but usually only when spoilage and equipment-breakdown coverage are specifically included.
Tell us about your operation and a specialist will identify your real exposures and structure smart, competitive coverage around them.