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Commercial General Liability Insurance
Protect yourself in case of injuries and property damage.
Slip and fall accidents are par for the course in restaurants. From food spills to damaged flooring to poor lighting, there are a number of reasons that lead to slips and falls being one of the most common accidents that occur in restaurants. If a customer slips, falls, and injures themselves they may sue you to cover the cost of the damages. If you have general liability insurance, it will cover those damages for the client, as well as cover the fees for an attorney.
Food Spoilage
For when food goes bad due to a covered situation.
The food you serve is quite literally the bread and butter of your business. Imagine a sudden power outage during peak dinner hours. Your refrigerators and freezers fail, and your perishable ingredients spoil. Restaurants buy food in huge quantities, which can be very expensive. Being out both that stock of food and money can be detrimental to your business. If you have food spoilage coverage, you will be reimbursed up to the limits of your policy in the case of a covered situation.
Liquor Liability
For when legal claims arise from alcohol-related incidents.
Does your restaurant serve alcohol? If so, you are taking on an additional layer of liability that you need protection for! It covers legal fees, settlements, and medical costs associated with bodily injury or property damage caused by an intoxicated person who was served or sold liquor by the policyholder. This will protect you in situations like an overserving accident, where a person gets into an accident causing injuries after your restaurant overserved them.
Cyber
For handling the digital landscape.
The digital landscape is rapidly changing day-to-day and you need coverage that will keep your restaurant protected. You may think cyber coverage isn't necessary for your restaurant business, but that couldn't be further from the truth. Think of all of the electronic payments you take from your patrons every single day. If there is a data breach and their sensitive information is stolen, you'll need protection to make it right without your business suffering financially.
Business Income
For replacing your income when business is interrupted.
If you're forced to close up shop due to a covered accident, it’s not just about the physical damage; it’s also about the income lost during the downtime. Let's say a fire breaks out in your kitchen, rendering your restaurant temporarily unusable. Business income insurance steps in to cover lost income during the closure. It helps pay bills, salaries, and other ongoing expenses while you rebuild or relocate. Without this coverage, a disaster could lead to financial ruin.
Workers Compensation
Help employees injured on the job restore their lives.
If a kitchen worker is injured in the course of doing their work, they are entitled to collect compensation to take care of the injury, as well as lost wages during the time they need to recover. Most states require that you have workers compensation insurance, but even if your state doesn't, it's a great way to protect both your employees and yourself financially. Your employee is taken care of and you are protected from potential lawsuits.
Learn more about Navigating the Menu of Restaurant Insurance in our blog! We'll give you a deep dive into 5 coverages that safeguard your culinary business.
What is Liquor Liability Insurance? You can learn all about it in our blog! We'll give you more information about what it is, who needs it, what it covers, and some tips to help prevent liquor liability damages.
Do you understand The Importance of Food Spoilage Coverage? Learn all about protecting your ingredients and your profits in our blog!
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