The time to think about restaurant insurance in Arizona is not when you need to use it. You should plan your coverage out as soon as you open the doors. You may not use your policy for years, but when you do need it, it is going to be a real lifesaver.
Increased Likelihood of Injuries
Every business needs general liability insurance, but restaurants pose unique risks. Employees are regularly exposed to sharp objects and open flames. Additionally, one spill could cause someone to slip and fall. Even a customer could get injured, which is a whole other issue entirely. Hopefully, no one will ever get seriously injured at your establishment, but if someone does, you need a policy that will protect your business in the event of a lawsuit.
Food also plays a big reason of why restaurants are prone to lawsuits. Serving spoiled or contaminated food could cause a patron to get sick. You are then facing a lawsuit, and a big portion of your inventory will have to be abandoned. A comprehensive policy allows a restaurant owner to recoup some of those losses.
Before you serve your first dish, make sure you have restaurant insurance in Arizona. The risks are too great to operate without a policy in place.