How much does Restaurant insurance cost in Duluth, Minnesota?

The estimated annual cost for a Restaurant in Duluth with one employee is between $1170 and $1721. The state base rate is $920.

What insurance is required for a Restaurant in Minnesota?

In Minnesota, businesses are subject to a 6.9% 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)

$1170-$1721

Estimated Annual Premium

Monthly Average Breakdown

$115 / 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 Minnesota law may not mandate it for all businesses, Restaurants often need proof of insurance to bid on local commercial projects in Duluth.

Your premium reflects Minnesota's specific base rate of $920 and a local city multiplier of 1x.