Restaurant Insurance in Pennsylvania: 2026 Cost Guide

How Much Does Restaurant Insurance Cost in Pennsylvania?

Restaurant insurance in Pennsylvania averages $168 per month for general liability coverage alone. A comprehensive insurance package — including general liability, commercial property, and workers' compensation — typically runs between $2,326–$3,927 per year for a typical full-service restaurant.

Here's what you can expect to pay for individual coverage types in Pennsylvania:

These figures are based on a typical full-service restaurant with 10-20 employees and $500,000–$1,500,000 in annual revenue. Your actual costs will depend on your specific location within Pennsylvania, claims history, employee count, and coverage limits.

Pennsylvania-Specific Insurance Requirements

Pennsylvania is one of the most expensive states for restaurant insurance, driven by high workers' comp costs and Philadelphia's litigious legal environment. The state uses class code 0975 for all restaurants (including those with bars), unlike the standard NCCI codes. Pennsylvania's unique PLCB (Pennsylvania Liquor Control Board) system—where all wine and spirits must be purchased from state stores—creates a unique regulatory environment. The State Workers' Insurance Fund (SWIF) provides a competitive option.

Required Coverages in Pennsylvania

• General Liability
• Workers' Compensation (all employees)

Recommended Additional Coverages

• Commercial Property
• Liquor Liability
• Business Interruption
• EPLI
• Umbrella/Excess Liability

Pennsylvania Risk Factors That Affect Insurance Costs

Pennsylvania has one of the highest workers' comp costs in the nation, with rates significantly above the national average for restaurant class codes.

The state's litigious legal environment, particularly in Philadelphia, drives up liability insurance costs with frequent and large jury verdicts.

Flooding risk is significant across the state, from the Delaware River corridor to Pittsburgh's three rivers and central Pennsylvania's river valleys.

Best Restaurant Insurance Companies in Pennsylvania

We've identified the top insurance providers serving Pennsylvania restaurants. CoverWallet is our top pick for most Pennsylvania restaurants based on coverage options, pricing, and customer satisfaction.

Workers' Compensation Rules in Pennsylvania

Pennsylvania requires workers' comp for all employers. The state uses class code 0975 for all restaurants. The State Workers' Insurance Fund (SWIF) provides a competitive option.