How much does Restaurant insurance cost in Colorado%20springs, Colorado?

The estimated annual cost for a Restaurant in Colorado%20springs with one employee is between $1164 and $1711. The state base rate is $950.

What insurance is required for a Restaurant in Colorado?

In Colorado, businesses are subject to a 2.9% insurance tax. Restaurants typically need General Liability due to a risk factor of 1.4.

Restaurant Insurance Cost in Colorado springs, Colorado (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$1164-$1711

Estimated Annual Premium

Monthly Average Breakdown

$114 / mo

Includes General Liability

Industry Risk Profile

Restaurants need coverage for customer slip-and-falls, foodborne illnesses, and liquor liability if alcohol is served.

Risk Factor1.4x

Location Factors

State Base Rate$950
Colorado%20springs Multiplier1x
State Tax Rate2.9%

Local Compliance FAQ

Is General Liability required in Colorado%20springs?

While Colorado law may not mandate it for all businesses, Restaurants often need proof of insurance to bid on local commercial projects in Colorado%20springs.

Why is the rate different here?

Your premium reflects Colorado's specific base rate of $950 and a local city multiplier of 1x.

Compare Restaurant Insurance in Other Colorado Cities

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