Estimated Cost (2026)
Adjust based on your team size
Just me (1)Team (20)
$1165-$1714
Estimated Annual Premium
Monthly Average Breakdown
$114 / 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$930
- Richmond Multiplier1x
- State Tax Rate5.3%
Local Compliance FAQ
Is General Liability required in Richmond?
While Virginia law may not mandate it for all businesses, Restaurants often need proof of insurance to bid on local commercial projects in Richmond.
Why is the rate different here?
Your premium reflects Virginia's specific base rate of $930 and a local city multiplier of 1x.
Compare Restaurant Insurance in Other Virginia Cities
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