Commercial Umbrella Insurance
A commercial umbrella extends your liability limits when a serious claim exceeds your primary coverage. For a hibachi restaurant with tableside-fire and alcohol exposure, catastrophic-injury protection is essential.
Commercial Umbrella for Hibachi Restaurants
A commercial umbrella sits on top of your primary liability policies and provides additional limits when a claim exceeds them. For a modest premium, it can add $1M to $10M of protection above your general liability, liquor liability, and employer's liability coverage.
How It Works
1. Your general liability: $1M per occurrence / $2M aggregate 2. A serious tableside-burn or dram shop claim results in a $3M judgment 3. GL pays its $1M limit; the umbrella covers the remaining $2M
Without the umbrella, that $2M would come out of your restaurant's assets.
When Hibachi Restaurants Need It
- Tableside-fire exposure that makes severe burn-injury claims a real possibility
- Alcohol service, where dram shop claims can be catastrophic
- High-volume seating with families and children around open flame
- Leases and franchisor agreements that require combined limits above $1M
Cost vs. Protection
An umbrella is one of the most cost-effective coverages available, because it only pays after your underlying policies are exhausted. For a public-facing business that cooks with fire at the table and serves alcohol, it's almost always worth carrying.
What's Covered
Frequently Asked Questions
Given that you cook with open flame at the table and serve alcohol, yes — a single severe burn injury or dram shop claim can easily exceed primary limits. An umbrella adds $1M–$10M of protection for a fraction of the cost of raising each underlying policy.
An umbrella extends liability coverage only — it does not cover your building, equipment, or lost income. Those are handled by commercial property, equipment breakdown, and business interruption. The umbrella sits over your liability policies.