What is Liability?

Liability is legal responsibility for harm or damages caused to another person or their property due to your actions or negligence.

What You Need to Know

As a restaurant owner, you face liability from countless sources—customer injuries on your premises, food poisoning, property damage you cause to others, employee actions, and advertising practices. Liability insurance protects you from the financial consequences when you’re found legally responsible.

Why It Matters for Restaurant Owners

Without liability insurance, a single serious claim could bankrupt your restaurant and put your personal assets at risk. Courts award damages for medical expenses, lost wages, pain and suffering, and sometimes punitive damages.

Legal Defense Costs:

Even defending yourself costs $50,000-$200,000 in legal fees.

Comprehensive Protection Required:

Comprehensive liability coverage (general, liquor, EPLI, cyber) protects you from the full spectrum of liability exposures restaurants face.