Korean Restaurant insurance in Minnesota
Build a Minnesota quote around the menu, equipment, service model, people, property, and off-premises work your Korean restaurant actually has.
For Korean BBQ, tabletop grill, and traditional Korean kitchens.
Prefer to talk? Call (929) 594-5450
How a Korean restaurant quote is built in Minnesota
The lowest food-service general liability policy we have bound is $597/yr, a policy we wrote for a caterer in New York, and our lowest restaurant workers' comp policy is $509/yr. Liability and property together start at $1,153/yr on a bound businessowners policy. A Korean restaurant lands above or near those depending on cooking, alcohol, sales, payroll, property, and claims.
In Minnesota, our lowest restaurant quote so far is $927 a year for general liability.
A useful Korean restaurant quote starts with the real operation: tabletop gas or charcoal grills, table ventilation, frying, soju and beer service, and takeout. Tabletop grills, individual ventilation, hoods, refrigeration and tenant improvements should be scheduled individually.
| Coverage | Typical cost | Notes |
|---|---|---|
| General liability (bound) | from $597/yr | Our lowest bound food-service liability policy, for a caterer in New York. Cooking, alcohol, sales, and claims move it up from there. |
| Workers' compensation (bound) | from $509/yr | Our lowest bound restaurant workers' comp policy, for a sandwich shop. Priced on payroll, so staff size drives it. |
| Minnesota restaurant quote (quote, not bound) | from $927/yr | Our lowest Minnesota restaurant quote, for general liability, out of 12 we have written there as of 2026-09-26. |
| Liability + property BOP (bound) | from $1,153/yr | Our lowest bound businessowners policy, for a full-service restaurant in New York. Building, equipment and contents values set this one. |
| Liquor, auto, and umbrella | As applicable | Each is priced on its own exposure; a restaurant package does not automatically include every line. |
These are the lowest premiums we have actually bound for restaurants, as of 2026-09-26, plus the lowest instant quotes a carrier issued ready to bind (marked "instant quote, bindable"; those are real quotes, not bound policies) and, where marked "quote", an ordinary carrier quote. Each is labelled by line of business. Your price depends on your menu, cooking, alcohol, sales, payroll, property, location, and claims. They are not an offer of insurance.
What moves your price
- ✓Annual sales, payroll, seating, square footage, hours, years in business, and loss history
- ✓Menu, cooking equipment, fuel, hood and suppression, cleaning, and fire inspection details
- ✓Tabletop grills and fuel type
- ✓Alcohol share of sales
- ✓Table ventilation and gas shutoffs
- ✓Building or tenant-property values, refrigeration, equipment, spoilage, and requested deductibles
Coverage questions for a Minnesota Korean restaurant
Korean BBQ puts a gas or charcoal grill at every table, with its own ventilation. That's open flame within reach of guests and a distinct exposure from a closed kitchen.
Korean BBQ often has a real alcohol share. It sets the liquor liability price and can move the whole risk.
Fried chicken and pancakes add fryers to the line: Hood and duct cleaning on the schedule NFPA 96 sets for your cooking volume, a UL 300 wet-chemical suppression system over the line, and a Class K extinguisher near the fryers.
Grills at every table put open flame within reach of guests. Describe ventilation, shutoffs and staff procedures.
Customer injury, foodborne illness, allergens, premises, delivery and catering, checked against what you actually do.
Equipment, contents, stock, improvements and lost income after a covered loss. Compare valuation, deductibles, spoilage and restoration time.
What to check in Minnesota
State food resources checked . Confirm current requirements with the linked agencies.
What we've quoted restaurants in Minnesota
Our lowest Minnesota restaurant quote is $927 a year for general liability, out of 12 Minnesota restaurant quotes we have written. It's a quote, not a bound policy, and your number depends on your own menu, sales, payroll and property.
Confirm the food-establishment route in Minnesota
Minnesota's food licensing page points applicants to a jurisdiction lookup because MDH and delegated local programs share responsibilities. Establish the licensing agency before choosing forms or arranging plan review.
MDH food licensing and jurisdiction →Korean Restaurant details to send with the request
For a Minnesota quote, describe tabletop gas or charcoal grills, table ventilation, frying, soju and beer service, and takeout. Include the menu, equipment and fuel, sales split, protection records, property values, staffing, claims, and requested effective date.
What an underwriter will ask a Korean restaurant in Minnesota
Tabletop grills: gas or charcoal, and how many? Individual table ventilation? Alcohol share of sales? Fryers? Seating and hours?
Check the employee rule in Minnesota
Minnesota generally requires workers' compensation for any employee, even part-time. Confirm how owners, officers, part-time employees, and any separately organized catering or delivery operation are counted.
Minnesota requires liquor liability insurance by law
Minnesota's Civil Damage Act (Minn. Stat. 340A.801) is a strong dram shop law, and the state requires licensees to carry liquor liability insurance at statutory minimum limits to hold a license (340A.409). If you serve alcohol in Minnesota, the coverage is mandatory, not optional.
Prefer to talk? Call (929) 594-5450
Frequently asked questions
What information is needed for Korean restaurant insurance in Minnesota?
Prepare the current policy if handy, loss runs, menu, cooking and refrigeration equipment, Minnesota location, sales and payroll, seating and hours, alcohol and delivery details, property values, protection records, lease requirements, and requested effective date.
How much does Korean restaurant insurance cost?
The lowest food-service general liability policy we have bound is $597/yr, a policy we wrote for a caterer in New York, and our lowest restaurant workers' comp policy is $509/yr. Liability and property together start at $1,153/yr on a bound businessowners policy. A Korean restaurant lands above or near those depending on cooking, alcohol, sales, payroll, property, and claims.
Can Korean BBQ restaurants get insured with tabletop grills?
Yes. Carriers that write them look at the grill type, the table ventilation, gas shutoffs and staff training. Charcoal gets more scrutiny than gas.
How many tabletop grills should I list?
List every grill with its fuel. The count drives both the property schedule and the liability questions.
What information should a Korean restaurant gather for a quote?
Start with the current policy if handy, loss runs, menu, equipment list, sales split, payroll, hours, seating, square footage, alcohol and delivery details, property values, hood and suppression records, lease requirements, and requested effective date. Estimates are fine when labeled as estimates.
Will the policy meet my landlord's lease requirements?
Usually, for the most common request: $1,000,000 per occurrence and $2,000,000 aggregate in general liability, the landlord named as an additional insured, and a certificate of insurance. Send the insurance section of your lease with the quote request so the limits, additional insured wording, damage to rented premises, liquor and umbrella limits can be checked against it before you buy.
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Opening a restaurant?
Plan the steps before your first service, from the opening budget to approvals and lease requirements.
Read the restaurant opening guide →What your landlord's lease will ask for, with real examples →