General Liability
$1,692
Typical annual midpoint with a benchmark range from $1,210 to $2,420.
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Industry insurance page
Insurance for Restaurant
Use this page to review the benchmark ranges, default coverage bundle, and state-by-state workers' comp context for restaurant businesses before running the estimator.
NAICS 722511General LiabilityBusiness Owner's PolicyWorkers' CompensationCyber Liability
Business Owner's Policy
$3,012
Typical annual midpoint with a benchmark range from $2,140 to $4,310.
Workers' Compensation
$1,356
Typical annual midpoint with a benchmark range from $960 to $1,940.
Cyber Liability
$1,608
Typical annual midpoint with a benchmark range from $1,180 to $2,300.
Workers' comp by state
Alaska
Class code 9082 · minimum premium $200
$1.12 / $100 payroll
Alabama
Class code 9082 · minimum premium $542
$1.78 / $100 payroll
Arkansas
Class code 9082 · minimum premium $0
$0.34 / $100 payroll
Arizona
Class code 9082 · minimum premium $0
$0.62 / $100 payroll
California
Class code 9081 · minimum premium $650
$2.59 / $100 payroll
Colorado
Class code 9082 · minimum premium $0
$0.63 / $100 payroll
Connecticut
Class code 9082 · minimum premium $559
$1.25 / $100 payroll
Delaware
Class code 0975 · minimum premium $680
$0.65 / $100 payroll
Florida
Class code 9082 · minimum premium $540
$0.74 / $100 payroll
Georgia
Class code 9082 · minimum premium $550
$0.70 / $100 payroll
Hawaii
Class code 9082 · minimum premium $0
$1.55 / $100 payroll
Iowa
Class code 9082 · minimum premium $260
$0.91 / $100 payroll
Idaho
Class code 9082 · minimum premium $220
$1.20 / $100 payroll
Illinois
Class code 9082 · minimum premium $0
$0.67 / $100 payroll
Indiana
Class code 9082 · minimum premium $331
$0.54 / $100 payroll
Kansas
Class code 9082 · minimum premium $0
$0.67 / $100 payroll
Kentucky
Class code 9082 · minimum premium $0
$0.41 / $100 payroll
Louisiana
Class code 9082 · minimum premium $0
$0.67 / $100 payroll
Massachusetts
Class code 9079 · minimum premium $201
$0.62 / $100 payroll
Maryland
Class code 9082 · minimum premium $0
$0.43 / $100 payroll
Maine
Class code 9082 · minimum premium $630
$1.18 / $100 payroll
Michigan
Class code 9058 · minimum premium $269
$0.55 / $100 payroll
Minnesota
Class code 9082 · minimum premium $223
$1.33 / $100 payroll
Missouri
Class code 9082 · minimum premium $999
$2.14 / $100 payroll
Montana
Class code 9082 · minimum premium $500
$1.01 / $100 payroll
North Carolina
Class code 9082 · minimum premium $0
$0.48 / $100 payroll
North Dakota
Class code 9071 · minimum premium $250
$0.66 / $100 payroll
Nebraska
Class code 9082 · minimum premium $648
$1.63 / $100 payroll
New Jersey
Class code 9079 · minimum premium $778
$2.13 / $100 payroll
New Mexico
Class code 9082 · minimum premium $0
$0.79 / $100 payroll
Nevada
Class code 9082 · minimum premium $0
$0.50 / $100 payroll
New York
Class code 9071 · minimum premium $620
$0.98 / $100 payroll
Ohio
Class code 9082 · minimum premium $500
$0.53 / $100 payroll
Oklahoma
Class code 9082 · minimum premium $0
$0.69 / $100 payroll
Oregon
Class code 9079 · minimum premium $314
$1.10 / $100 payroll
Pennsylvania
Class code 0975 · minimum premium $437
$0.59 / $100 payroll
Rhode Island
Class code 9082 · minimum premium $0
$0.81 / $100 payroll
Tennessee
Class code 9082 · minimum premium $0
$0.36 / $100 payroll
Texas
Class code 9079 · minimum premium $500
$0.28 / $100 payroll
Utah
Class code 9082 · minimum premium $0
$0.45 / $100 payroll
Virginia
Class code 9082 · minimum premium $273
$0.73 / $100 payroll
Vermont
Class code 9082 · minimum premium $0
$0.99 / $100 payroll
Washington
Class code 3905 · minimum premium $0
$0.5126 / hour worked
Wisconsin
Class code 9082 · minimum premium $436
$1.20 / $100 payroll
West Virginia
Class code 9082 · minimum premium $500
$0.30 / $100 payroll
Wyoming
Class code 722000 · minimum premium $314
$1.11 / $100 payroll
Common contract requirements
- • General liability is the base line for landlord, client, and vendor COI requests.
- • Property-heavy operations should keep premises, equipment, and business interruption details ready.
- • If you hire employees, workers' comp proof and payroll assumptions usually matter immediately.
- • Data-handling workflows should prepare security and breach-response details for cyber reviews.
Sponsored placement
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Related routes
Move from industry research into the tool flow or compare state requirement pages before handing off to quotes.