Offering outdoor seating can enhance a restaurant or café’s appeal, but it also introduces unique insurance considerations. Expanding your dining area outdoors may increase liability risks, such as slip-and-fall accidents, weather-related damages, or customer injuries from unstable furniture. Business owners must ensure their general liability insurance covers these scenarios, as standard policies might not automatically include outdoor spaces.

Additionally, local regulations may require specific permits or additional coverage for outdoor seating. For example, if alcohol is served in an outdoor area, liquor liability insurance becomes crucial. Property insurance should also be reviewed to confirm protection against damage to outdoor furniture, umbrellas, or heating lamps.

Weather-related risks, such as wind or hail damage, may necessitate specialized coverage. Some insurers offer endorsements or riders to extend protection for outdoor dining setups. It’s also wise to assess umbrella insurance for extra liability coverage beyond standard limits.

Consulting an insurance professional can help tailor a policy to your business’s needs, ensuring compliance and financial protection. By addressing these implications proactively, restaurant owners can enjoy the benefits of outdoor seating while minimizing risks.