New Jersey Restaurant businesses pay $168–$700/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Newark | $232–$966/mo | Compare → |
| Jersey City | $239–$994/mo | Compare → |
| Paterson | $218–$910/mo | Compare → |
| Elizabeth | $222–$924/mo | Compare → |
| Edison | $232–$966/mo | Compare → |
| Trenton | $210–$875/mo | Compare → |
| Camden | $193–$805/mo | Compare → |
| Clifton | $227–$945/mo | Compare → |
| Toms River | $218–$910/mo | Compare → |
| Bridgewater | $232–$966/mo | Compare → |
| Bergen County | $239–$994/mo | Compare → |
| Middlesex County | $232–$966/mo | Compare → |
| Essex County | $227–$945/mo | Compare → |
| Hudson County | $239–$994/mo | Compare → |
| Monmouth County | $227–$945/mo | Compare → |
| Ocean County | $215–$896/mo | Compare → |
| Union County | $227–$945/mo | Compare → |
| Camden County | $202–$840/mo | Compare → |
| Passaic County | $222–$924/mo | Compare → |
| Morris County | $235–$980/mo | Compare → |
Restaurant businesses in New Jersey typically pay $168–$700/month for general liability insurance. Rates vary by city, revenue, employee count, and claims history.
New Jersey doesn't legally mandate general liability insurance for most businesses, but commercial leases, client contracts, and licensing boards typically require proof of coverage.
General Liability Insurance protects against third-party bodily injury, property damage, and personal injury claims. For Restaurant businesses, key covered scenarios include: Foodborne illness outbreak; Customer slip and fall; Employee burn or cut injury.
Top exposures: (1) Foodborne illness outbreak, (2) Customer slip and fall, (3) Employee burn or cut injury, (4) Liquor liability (if applicable).
Top carriers in New Jersey for Food & Beverage businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Restaurant policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for New Jersey cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.