General Liability Insurance
General liability is the foundation of hibachi restaurant insurance. It protects you when a guest is injured on your premises — burned by the teppanyaki grill or flames, struck by tossed food, or hurt in a slip-and-fall — or when food makes a customer sick.
General Liability for Teppanyaki & Hibachi Restaurants
No restaurant puts guests closer to the action — or the danger — than a hibachi steakhouse. Your chefs cook on a screaming-hot teppanyaki grill inches from seated diners, with flames, hot oil, flying shrimp, and spinning knives. General liability (GL) is the policy that responds when that signature experience injures a guest.
What GL Covers
- Tableside burn injuries: Guests burned by the grill surface, flames, the onion volcano, or hot oil splatter
- Flying food & utensil injuries: Eye injuries, choking, or being struck during food-tossing and knife tricks
- Premises liability: Slip-and-fall on greasy floors, trips around communal seating
- Foodborne illness: Products-completed operations coverage for claims that your food made a guest sick
- Assault & battery: With endorsement, altercations on premises
- Medical payments & legal defense: Including defense for groundless claims
Why Hibachi GL Is Higher-Risk
A typical restaurant keeps cooking behind a kitchen wall. You put an open flame and a knife-wielding chef at the center of the table, surrounded by families and children. That dramatically increases injury frequency and severity — and it's exactly why hibachi GL is priced higher than ordinary restaurant liability. We place you with carriers who understand and properly rate tableside cooking.
What GL Does NOT Cover
GL excludes alcohol-related claims (that's liquor liability), your building and equipment (property), equipment failure (equipment breakdown), and employee injuries (workers comp). It's one essential layer of a complete teppanyaki program.
What's Covered
Frequently Asked Questions
Yes. Burns from the teppanyaki grill, flames, or hot oil are premises and operations injuries that general liability is designed to cover, including the legal defense. Because this exposure is central to hibachi dining, we make sure your limits reflect it.
$1M per occurrence / $2M aggregate is the standard baseline most landlords and franchisors require. Given the tableside-cooking exposure, many hibachi operators carry higher limits backed by a commercial umbrella.