The catering industry refers to the food production and operation industry that provides consumers with food (including drinks), consumption places and facilities by means of instant processing, commercial sales and service labor. With the continuous development of the catering industry, people eat out more frequently, followed by various liability accidents, and the number of civil liability compensation disputes between diners and restaurants is increasing. The main potential liability risks of catering business premises mainly include the following aspects:

First, accidental fire and gas explosion caused personal injury and property loss; Second, the risk of compensation liability for food poisoning caused by unsanitary food provided; Third, due to the imperfect restaurant facilities, diners slip and fall, bruise, bump, cut, bump and other risks in the restaurant; Fourth, employees' negligent behavior caused diners to burn or other injuries; In addition, due to the restaurant management is not in place, it is easy to cause civil disputes. Such as the infection of diners caused by infectious diseases of employees, the damage or loss of diners' cars parked in restaurant parking spaces, and so on.

From the insurance point of view, these civil liability risks unique to the restaurant industry can be transferred to insurance companies, and the most suitable liability insurance product is "catering operator liability insurance".