What is Restaurant Insurance?
General Liability Insurance (Restaurant Liability)
Just like regular business liability insurance, a restaurant liability insurance policy covers the restaurants against lawsuits and medical costs arising from the injury of someone while on the premises.
Other Liability Coverages
Here are some different liability coverages a restaurant may need.
Business Property Insurance
A business property insurance policy can protect your restaurant against damages to your property from fire, earthquakes, vandalism, theft, storms, and accidents. The property includes more than just the building; it can include outdoor signage, fencing, furniture, or inventory.
While business property insurance, you’ll still want to have additional coverage for the special equipment in case of power surges, mechanical breakdowns.
Business Auto Insurance
Business auto insurance policies for owned autos and if the restaurant does not have owned vehicles, then Hired and Non-Owned auto liability will provide protection for the restaurant in case your employee needs to run out and pick up supplies or go to the post office and gets into an accident.
Business Interruption Insurance
Also known as loss of income insurance, business interruption insurance helps keep you
in business when unexpected events occur. If the unthinkable does happen and your
entire business is destroyed, you will still need to pay the bills, including paying employee
wages, rent or mortgage, suppliers, taxes.
Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.
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