Outdoor seating has become a popular feature for restaurants, offering diners a pleasant al fresco experience. However, it also introduces unique risks that can impact insurance premiums. Insurers assess factors like increased foot traffic, weather exposure, and potential liability claims—such as slips, falls, or property damage—when determining coverage costs.

Restaurants with outdoor seating often require additional liability coverage, which may raise premiums by 10-20%. To mitigate costs, owners should implement safety measures like non-slip flooring, proper lighting, and staff training. Some insurers offer discounts for proactive risk management.

Ultimately, while outdoor dining boosts revenue, it’s crucial to balance profitability with adequate insurance protection to safeguard against unforeseen incidents. Consulting an insurance expert can help tailor a policy that fits your restaurant’s specific needs.