Estimated Cost (2026)
Adjust based on your team size
Just me (1)Team (20)
$1132-$1665
Estimated Annual Premium
Monthly Average Breakdown
$111 / 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$900
- Columbus Multiplier1x
- State Tax Rate5.8%
Local Compliance FAQ
Is General Liability required in Columbus?
While Ohio law may not mandate it for all businesses, Restaurants often need proof of insurance to bid on local commercial projects in Columbus.
Why is the rate different here?
Your premium reflects Ohio's specific base rate of $900 and a local city multiplier of 1x.
Compare Restaurant Insurance in Other Ohio Cities
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