Estimated Cost (2026)
Adjust based on your team size
Just me (1)Team (20)
$1097-$1614
Estimated Annual Premium
Monthly Average Breakdown
$108 / 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$870
- Lexington Multiplier1x
- State Tax Rate6.0%
Local Compliance FAQ
Is General Liability required in Lexington?
While Kentucky law may not mandate it for all businesses, Restaurants often need proof of insurance to bid on local commercial projects in Lexington.
Why is the rate different here?
Your premium reflects Kentucky's specific base rate of $870 and a local city multiplier of 1x.
Compare Restaurant Insurance in Other Kentucky Cities
Other Contractor Insurance in Lexington
Plumber in LexingtonElectrician in LexingtonRoofer in LexingtonHVAC Technician in LexingtonHandyman in LexingtonPainter in LexingtonCarpenter in LexingtonWelder in LexingtonConcrete Contractor in LexingtonGeneral Contractor in LexingtonMasonry & Bricklaying in LexingtonExcavation Contractor in LexingtonLandscaper in LexingtonTree Service in LexingtonJanitor & Cleaning in LexingtonPest Control in LexingtonFood Truck in LexingtonCatering Service in LexingtonHair Salon & Barber in LexingtonMassage Therapist in LexingtonPersonal Trainer in LexingtonAuto Mechanic in LexingtonTowing Service in LexingtonIT Consultant in LexingtonReal Estate Agent in LexingtonAccountant & CPA in LexingtonLaw Firm in LexingtonPhotographer in LexingtonRetail Store in LexingtonE-commerce Business in Lexington