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Factors Affecting Insurance Costs
Several factors influence the cost of restaurant liability insurance:
- Location: Restaurants in areas with higher crime rates or stricter regulations may face higher premiums.
- Size and Revenue: Larger restaurants with higher revenue typically pay more for insurance due to increased risk exposure.
- Claims History: A history of frequent claims can lead to higher premiums, while a clean record might qualify you for discounts.
- Coverage Limits: Higher coverage limits generally result in higher premiums, but they also provide more extensive protection.