🍽️ Restaurant Risk Calculator
Find the Coverage Gaps That Could Close Your Doors
Most restaurant owners don't realize they have coverage gaps until a claim is denied or their liquor license is at risk. Run this 60-second assessment for specific findings across GL, liquor liability, business interruption, equipment breakdown, and delivery operations.
What you'll get
A personalized restaurant exposure report in 60 seconds
Run the assessment and you'll see exactly where your policy may be exposing you — across GL, liquor liability, BI, and delivery.
Your Risk Score
A numerical score from 0–10 showing your overall coverage exposure, color-coded for severity.
Specific Coverage Gaps
The exact shortfalls in your GL, liquor liability, BI, and delivery coverage.
Severity Rankings
Each gap ranked CRITICAL, SIGNIFICANT, or NEEDS ATTENTION so you know what to fix first.
Clear Next Steps
Specific, actionable recommendations for each gap — not vague insurance jargon.
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What we see in the field
Most restaurant policies have a hidden alcohol or BI exclusion
Based on policy reviews by Direct Insurance Services across 29 states.
75%
of restaurants that close after major loss without adequate BI coverage never reopen
$291K+
average revenue loss during a typical restaurant fire closure
60%
of restaurant GL policies exclude alcohol-related claims
Explore More
Restaurant Insurance Resources
Restaurant Insurance Overview
GL, liquor liability, property, workers comp
Learn More →Restaurant Insurance Guide
Complete coverage guide for owners
Learn More →California Restaurant
State-specific requirements
Learn More →Texas Restaurant
State-specific requirements
Learn More →Liquor Liability Guide
Do restaurants need it?
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