Medical Payments Coverage
Medical Payments Coverage is optional coverage that automatically pays medical expenses for people injured on your premises, regardless of fault, without requiring a lawsuit.
What You Need to Know
Med pay (typically $5,000–$10,000 limits) provides immediate payment for minor injuries like cuts or sprains that occur on your property. Injured parties receive quick compensation without proving you were negligent.
Why It Matters for Restaurant Owners
Medical payments coverage is cheap goodwill insurance that prevents minor incidents from becoming major lawsuits. When a customer trips and needs stitches, offering immediate payment for medical care often prevents them from hiring a lawyer and filing a larger liability claim.
It's especially valuable for restaurants where minor injuries are common (high customer volume, outdoor seating, uneven surfaces). The coverage is inexpensive and can save you from $50,000+ lawsuits over $2,000 injuries.
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