These types of insurance usually do not have a fixed sum insured, and the insurance company usually bases its policy on a maximum sum insured per claim, and then signs up for a premium based on the size and type of management company. After the insurance is purchased. The policyholder's liability to third parties for damages caused by accidents occurring at the company's public **** place is then assumed by the insurance company.

Public liability insurance is the implementation of the principle of low rates, broad coverage, the base rate is very low, although the current insurance companies due to the scope of coverage and content of the differences in the rate of public liability insurance premiums are not the same, but generally speaking, they are in the level of a few thousandths. Generally speaking, for a restaurant with an annual sales of $3 million to $5 million, the annual premium will be about $2,000 if it purchases a comprehensive insurance policy for the restaurant industry with an insured amount of $1 million. For a restaurant with an annual income of over a million dollars, it is necessary and cost-effective to obtain insurance coverage of $1 million for an annual premium expenditure of $2,000. In addition, the premium can also be expensed in the cost, it can be said that it does not constitute a financial burden, the key is whether the enterprise has the awareness of risk control. Catering industry comprehensive insurance coverage includes fire, explosion; food poisoning, including other people poisoning; falls, burns, bumps, bruises; elevator accidents in the course of normal use; advertising, neon lights, decorations, accidents and so on.

For example, food poisoning, accidents caused by improper use of kitchen equipment, or vehicle collision or theft due to poor management of parking lots, as well as accidents caused by restaurants failing to place non-slip signs to alert diners, or having water where there should not be water, causing diners to slip and fall, etc., can be compensated for if they are verified.

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