Requirements
Washington restaurant insurance requirements
Everything the lease, the health department, and the state expect you to carry.
Coverage the state and typical lease require
- General liability · $1M/$2M
- Liquor liability (if serving alcohol) · $1M
- Commercial property (equipment, tenant improvements)
- Workers' comp through L&I
- Employment Practices Liability (EPLI)
- Business interruption
- Cyber liability (POS breach exposure)
Underappreciated exposures
Grease fire
Requires Ansul-style suppression system inspected annually; carriers can non-renew if service tags lapse.
Assault & battery
Bars and nightlife venues often need explicit A&B coverage — many BOPs exclude it.
Delivery drivers
Own drivers means hired/non-owned auto and often commercial auto.
Third-party delivery (DoorDash, UberEats)
Their drivers create limited exposure, but food-borne illness claims can still land on you.
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