How much does Restaurant insurance cost in Brookings, South Dakota?

The estimated annual cost for a Restaurant in Brookings with one employee is between $1007 and $1481. The state base rate is $810.

What insurance is required for a Restaurant in South Dakota?

In South Dakota, businesses are subject to a 4.5% insurance tax. Restaurants typically need General Liability due to a risk factor of 1.4.

Restaurant Insurance Cost in Brookings, South Dakota (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$1007-$1481

Estimated Annual Premium

Monthly Average Breakdown

$99 / 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$810
Brookings Multiplier1x
State Tax Rate4.5%

Local Compliance FAQ

Is General Liability required in Brookings?

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

Why is the rate different here?

Your premium reflects South Dakota's specific base rate of $810 and a local city multiplier of 1x.

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How much does Restaurant Insurance cost in Brookings?