Estimated Cost (2026)
Adjust based on your team size
Just me (1)Team (20)
$1120-$1648
Estimated Annual Premium
Monthly Average Breakdown
$110 / 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$880
- Memphis Multiplier1x
- State Tax Rate7.0%
Local Compliance FAQ
Is General Liability required in Memphis?
While Tennessee law may not mandate it for all businesses, Restaurants often need proof of insurance to bid on local commercial projects in Memphis.
Why is the rate different here?
Your premium reflects Tennessee's specific base rate of $880 and a local city multiplier of 1x.
Compare Restaurant Insurance in Other Tennessee Cities
Other Contractor Insurance in Memphis
Plumber in MemphisElectrician in MemphisRoofer in MemphisHVAC Technician in MemphisHandyman in MemphisPainter in MemphisCarpenter in MemphisWelder in MemphisConcrete Contractor in MemphisGeneral Contractor in MemphisMasonry & Bricklaying in MemphisExcavation Contractor in MemphisLandscaper in MemphisTree Service in MemphisJanitor & Cleaning in MemphisPest Control in MemphisFood Truck in MemphisCatering Service in MemphisHair Salon & Barber in MemphisMassage Therapist in MemphisPersonal Trainer in MemphisAuto Mechanic in MemphisTowing Service in MemphisIT Consultant in MemphisReal Estate Agent in MemphisAccountant & CPA in MemphisLaw Firm in MemphisPhotographer in MemphisRetail Store in MemphisE-commerce Business in Memphis