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Restaurant Insurance Guide: GL, Liquor, Spoilage, Assault & Battery
Published January 2026 8 min read
Restaurant package basics
Most independent restaurants are written on a commercial package policy — property + GL + business income — with Liquor Liability and Workers' Comp as separate but coordinated policies.
Liquor Liability — when required
If liquor sales exceed 25% of revenue (or any liquor is served by the drink), most carriers require a true Liquor Liability policy. Florida and many other states have aggressive dram-shop liability.
Spoilage, equipment breakdown, A&B
Spoilage and Equipment Breakdown protect against losses from compressor failures, power surges, and freezer outages — critical for kitchens with substantial perishables. Assault and Battery coverage protects against bar-related incidents and is typically added by endorsement on Liquor Liability.
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