How much does Restaurant insurance cost in Detroit, Michigan?

The estimated annual cost for a Restaurant in Detroit with one employee is between $1199 and $1763. The state base rate is $950.

What insurance is required for a Restaurant in Michigan?

In Michigan, businesses are subject to a 6.0% insurance tax. Restaurants typically need General Liability due to a risk factor of 1.4.

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$1199-$1763

Estimated Annual Premium

Monthly Average Breakdown

$118 / mo

Includes General Liability

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

Risk Factor1.4x

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

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