Restaurant insurance is a combination of different policies that cover the specific risks of your industry. Depending on your location, size, and type of restaurant, you may need some or all of the following types of insurance:

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Types of Restaurant Insurance

• General liability insurance: This covers the costs of third-party claims for bodily injury, property damage, or personal injury that occur on your premises or as a result of your operations. For example, if a customer slips and falls on a wet floor or gets food poisoning from your food, general liability insurance can pay for their medical expenses and legal fees.

• Property insurance: This covers the costs of repairing or replacing your building, equipment, furniture, inventory, and other physical assets in case of fire, theft, vandalism, or natural disasters. For example, if a fire breaks out in your kitchen and damages your appliances and food stock, property insurance can pay for the repairs and replacements.

• Workers' compensation insurance: This covers the costs of medical treatment, lost wages, and disability benefits for your employees who get injured or ill on the job. For example, if a waiter cuts himself with a knife or a chef burns himself with hot oil, workers' compensation insurance can pay for their medical bills and income replacement.

• Business interruption insurance: This covers the loss of income and extra expenses you incur when your business is temporarily closed due to a covered event. For example, if a storm damages your roof and you have to shut down your restaurant for a week, business interruption insurance can pay for your lost revenue and the cost of renting a temporary location.

• Liquor liability insurance: This covers the costs of third-party claims for bodily injury, property damage, or personal injury that result from the consumption of alcohol that you serve or sell. For example, if a customer gets drunk at your bar and causes a car accident or a fight, liquor liability insurance can pay for the damages and legal fees.

• Food spoilage insurance: This covers the loss of food inventory due to spoilage, contamination, or power outage. For example, if a refrigerator breaks down and spoils your meat and dairy products, food spoilage insurance can pay for the replacement of the food.

• Commercial auto insurance: This covers the costs of third-party claims for bodily injury, property damage, or personal injury that result from the use of vehicles that you own, lease, or rent for your business. For example, if you deliver food to your customers and get into an accident, commercial auto insurance can pay for the repairs and medical bills.

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How Our Agency Can Help You

As a restaurant owner, you have a lot on your plate. You have to manage your staff, menu, inventory, customers, and finances. You don't have time to shop around for the best insurance deals and compare different policies and providers. That's why you need our agency to help you find the right insurance for your restaurant. We are an independent insurance agency that works with multiple carriers to offer you the best coverage and rates for your needs. We can help you:

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• Analyze your risks and exposures and recommend the types of insurance you need .

• Compare quotes from different insurers and negotiate the best terms and discounts for you.

• Provide you with ongoing support and advice on how to reduce your risks and lower your premiums.

 

Don't let your restaurant business go unprotected. Contact us today and let us help you find the best insurance for your restaurant.