How much does Restaurant insurance cost in Cambridge, Massachusetts?

The estimated annual cost for a Restaurant in Cambridge with one employee is between $1391 and $2045. The state base rate is $1100.

What insurance is required for a Restaurant in Massachusetts?

In Massachusetts, businesses are subject to a 6.3% insurance tax. Restaurants typically need General Liability due to a risk factor of 1.4.

Restaurant Insurance Cost in Cambridge, Massachusetts (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$1391-$2045

Estimated Annual Premium

Monthly Average Breakdown

$136 / 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$1100
Cambridge Multiplier1x
State Tax Rate6.3%

Local Compliance FAQ

Is General Liability required in Cambridge?

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

Why is the rate different here?

Your premium reflects Massachusetts's specific base rate of $1100 and a local city multiplier of 1x.

Compare Restaurant Insurance in Other Massachusetts Cities

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How much does Restaurant Insurance cost in Cambridge?