General and liquor liability for restaurants and bars

Save 10% to 15% on your restaurant liability insurance premium.

Slip-and-fall claims, foodborne illness and dram shop suits are the core risks of food service. Aiden Risk re-shops your general and liquor liability across 100+ carriers and checks the sublimits that quietly cap your cover.

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  • 100+ Carriers
  • 140+ Risk Signals
  • 48-Hour Placement

Savings are not guaranteed. Premiums are set by the insurance carrier after underwriting and depend on your operations, payroll, loss history and state.

See what your liability cover should cost.

Tell us what you serve, your food and alcohol sales split and what your lease requires. A licensed specialist compares your current premium against real quotes.

Prefer to talk? Call (650) 263-6399

Where the savings come from

What drives restaurant liability premium

Liability is rated on your sales and your mix of food and alcohol. The details decide both price and how much cover you really have.

Your liquor sales split

Liquor liability is priced on alcohol receipts. Reporting the split accurately, and separating event or catering sales, keeps the rate where it belongs.

Assault and battery sublimits

Some cheap policies cap assault and battery claims at a token amount. We compare price and cover together so a low premium is not hiding a gap.

Lease and license requirements

Buying limits above what your lease and liquor license require costs money; falling short gets your certificate rejected. We match them exactly.

One carrier, every year

Carrier appetite for bars and restaurants shifts from year to year. Quoting 100+ markets finds the ones currently pricing your concept well.

What you are buying

What restaurant liability covers

General liability

Guest injuries on your premises and foodborne illness claims from the food you serve.

Liquor liability

Dram shop claims when a guest you served causes injury or damage after leaving.

Additional insured for your landlord

The endorsements landlords, lenders and venues require, with the wording your lease specifies.

How it works

Your premium, re-shopped in three steps

  1. Send us your current policy

    Share your declarations page or tell us what you pay today. That is the benchmark every quote is measured against.

  2. We re-shop it across 100+ carriers

    A licensed specialist corrects the rating details and takes the submission to the carriers currently writing your line.

  3. Compare, then decide

    You see real quotes side by side with your current premium. Switch only if the numbers and the cover are better.

FAQ

Restaurant General and Liquor Liability questions, answered

Is liquor liability included in general liability?

No. Most general liability policies exclude claims arising from selling or serving alcohol. If you serve alcohol you need a separate liquor liability policy or endorsement, and your lease or license will often require it.

Do I need liquor liability if I only serve beer and wine?

Usually yes. Dram shop liability attaches to serving alcohol rather than to how strong it is, and many states apply it to beer and wine exactly as they do to spirits.

Why is my landlord rejecting my certificate?

Usually the landlord is not named as additional insured with the lease wording, the liquor limit is below what the lease requires, or an assault and battery sublimit has capped the cover. All three can be fixed before the certificate goes out.

See every line we place for restaurants.

Get liability cover that matches your lease, for less.

Aiden Risk re-shops restaurant general and liquor liability across 100+ carriers, with a licensed specialist on every account.

Prefer to talk? Call (650) 263-6399

Savings are not guaranteed. Premiums are set by the insurance carrier after underwriting and depend on your operations, payroll, loss history and state.