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A restaurant that does not serve beer, wine or liquor generally needs only commercial general liability ("CGL"), without liquor liability. CGL protects the restaurant from claims arising from bodily injury and property damage suffered by 3rd parties (i.e., customers most likely). Probably the most common claim made against restaurants is slip & fall, which would be covered under a CGL policy. Another liability exposure that a restaurant may wish to consider is that of food-bourne illness (i.e., food poisoning), which is sometimes excluded from the CGL policy, but can often be added.

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Q: What is the general liability insurance for a restaurant that does not serve alcohol?
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