General Each Occurrence Limit
General Each Occurrence Limit is the maximum amount your general liability policy will pay for any single incident or claim, regardless of the number of people injured or affected.
What You Need to Know
If your per-occurrence limit is $1 million and a single slip-and-fall accident results in $1.5 million in damages, your policy pays the first $1 million and you're personally responsible for the remaining $500,000.
Why It Matters for Restaurant Owners
Your per-occurrence limit should reflect your realistic worst-case liability exposure. Standard coverage is $1 million per occurrence, but restaurants serving alcohol, high-traffic locations, or those with previous serious claims may need $2 million or more.
One catastrophic incident — severe injury from a fall, a multi-victim food poisoning outbreak, or a major fire spreading to neighboring properties — can easily exceed $1 million. Don't be underinsured on this critical limit.
Get restaurant insurance built around how you actually operate.
Tell us your concept, your coverage questions, and your state — and we'll put together the coverage that actually applies.
Get Your Free Quote