How much does Restaurant insurance cost in Rochester, Minnesota?

The estimated annual cost for a Restaurant in Rochester 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.

Restaurant Insurance Cost in Rochester, Minnesota (2026 Guide)

Estimated Cost (2026)

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

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$920
Rochester Multiplier1x
State Tax Rate6.9%

Local Compliance FAQ

Is General Liability required in Rochester?

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

Why is the rate different here?

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

Compare Restaurant Insurance in Other Minnesota Cities

Restaurant in Minneapolis Restaurant in St. Paul Restaurant in Duluth

How much does Restaurant Insurance cost in Rochester?