Restaurant insurance guides
Four questions every food business asks before it buys anything: what do I need, what does it cost, what am I actually required to have, and who is allowed to demand proof.
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What insurance does a restaurant need?
Answered backwards, from the claim to the policy: seven things that go wrong in restaurants, and which coverage answers each. Two of them are not in the policy most owners think they are.
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What sets a restaurant's insurance cost
The five decisions that do most of the work: alcohol, employees crossed with the state, what you own against what the landlord owns, whether a package is even available, and what leaves the building.
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Restaurant insurance requirements: five documents, no federal rule
Only what compels you. The state workers compensation law, the alcohol regulator, the lease, the lender, and the vehicle, and why the FDA is not on the list.
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Food truck insurance requirements: four people who can ask
The state, the health jurisdiction, the commissary, and the venue, plus the difference between a certificate and an additional insured endorsement.
In progress
Dram shop laws by state is being researched before it is written. A fifty-state survey of a liability statute is the last thing that should be assembled from secondary sources, and the states have to be read one at a time against their own codes. Texas is done and lives on Texas liquor liability insurance, which takes Chapter 2 of the Alcoholic Beverage Code apart section by section. The coverage itself, and why a general liability policy does not answer these claims, is on bar and restaurant insurance.
For coverage-by-coverage detail rather than questions, go to restaurant insurance coverage. For your own operation, the type pages are at business types and the state pages at restaurant insurance by state.