What Is General Liability Insurance?

General Liability Insurance for restaurants is a vital layer of protection that helps shield your food service business from unexpected financial losses. Whether you run a cozy café, a fine-dining establishment, or a bustling takeout spot, this insurance policy is designed to cover third-party claims related to injuries, property damage, and advertising mishaps that may arise during daily operations. 

Here’s what a general liability policy typically includes:

• Bodily Injury: If a customer slips on a wet floor, trips on a loose mat, or suffers a burn from hot food, this coverage helps pay for medical expenses and any legal fees if they decide to sue.

• • Property Damage: If your restaurant’s operations accidentally cause damage to someone else’s property—like a delivery driver knocking over a client’s mailbox or water leaking into an adjacent business—this coverage helps handle the costs.

  • Advertising Injury: If your restaurant’s marketing materials are accused of libel, slander, or copyright infringement—perhaps due to a social media post or promotional campaign—this insurance provides financial protection.

  • Legal Expenses: Includes coverage for attorney fees, court costs, and potential settlements related to any of the above covered claims. Legal battles can be expensive, and this coverage ensures you’re not paying out of pocket.