Korean Restaurant insurance in Philadelphia
Build a Philadelphia 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
What Korean restaurant insurance costs in Philadelphia
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 Pennsylvania, our lowest restaurant quote so far is $4,847 a year for liability + property.
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. |
| Pennsylvania restaurant quote (quote, not bound) | from $4,847/yr | Our lowest Pennsylvania restaurant quote, for liability + property, out of 4 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
The coverage a Philadelphia Korean restaurant needs
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 Philadelphia
State resources checked . Confirm current requirements with the linked agencies.
Who permits restaurants in Philadelphia
Restaurants and bars in Philadelphia need a Food Preparation and Serving License, and the Department of Public Health's Office of Food Protection inspects them; three years of inspection reports are public.
City of Philadelphia: Food Preparation and Serving License →Opening or renewing in Philadelphia
Stationary food businesses go through plan review before the Food Preparation and Serving License is issued. Inspection reports from the past three years are searchable by anyone, including landlords and lenders.
City of Philadelphia: Food Preparation and Serving License →What an underwriter will ask a Korean restaurant in Philadelphia
Tabletop grills: gas or charcoal, and how many? Individual table ventilation? Alcohol share of sales? Fryers? Seating and hours?
Pennsylvania rules that also apply
Workers' comp, liquor licensing and the state food code are set at the Pennsylvania level. See the Pennsylvania Korean restaurant insurance page for those, and for what we've quoted restaurants across Pennsylvania.
Prefer to talk? Call (929) 594-5450
Frequently asked questions
Who issues restaurant permits in Philadelphia?
Restaurants and bars in Philadelphia need a Food Preparation and Serving License, and the Department of Public Health's Office of Food Protection inspects them; three years of inspection reports are public.
How much does Korean restaurant insurance cost in Philadelphia?
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.
Get your quote
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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 →