How much restaurant coverage costs, depends on how many people you sit, if you have friers, if you need fire coverage (ie, if you’re borrowing money for the equipment), how many employees you have, etc.

You should budget $5,000 to start.

As a startup, you most likely will NOT be able to pay this monthly – you’d have to pay the first year up front.
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In addition to these policies you will need a Workers Compensation Policy to cover your employees. You should also consider purchasing Employment Practices Liability Insurance to protect you from claims made by your employees alleging sexual harassment, discrimination due to age, sex, unfair termination, etc.

Normally a mall requires fairly large liability limits which means you will also need an Umbrella or Excess Liability Policy and they also will require to be named as Additional Insured. In terms of a payments, most insurance companies will allow you to spread the payments for the insurance over 9 to 10 months and some of them will allow 12 monthly payments–even if you are a new business but be prepared for a deposit of 30 to 40%. No one here can give you an accurate quote because we would need to have a lot more information such as location, limits required by the mall, an estimate of your gross sales, your square footage, how much business personal property you have, etc. The best that I can do is give you an average range for a small restaurant of between $1,000 to $5,000 and up.

You should obtain the services of a local independent agent who specializes in Commercial Insurance so that he or she can do a full review of your business and make recommendations for policies and obtain the necessary quotes for you.

I hope this helps. Good Luck!
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Certified Insurance Counselor, Licensed Insurance Agent & Broker for over 29 years.