As the owner of a restaurant, you understand better than anyone else how challenging the daily operations can be. There’s no need to make your job more difficult by having to deal with lawsuits, property damage, or loss of income. That’s why the right restaurant insurance can help reduce your stress and your worries, and allow you to focus your attention where it’s most needed: on the food and the customers.
Common Restaurant Insurance Options
To keep your restaurant adequately protected you may want to consider the following types of insurance:
- Property Insurance – Will protect your restaurant in the event of a fire or other events that are not natural disasters.
- General Liability – A general liability policy can cover a myriad of things, such as when someone slips and falls on your restaurant property or obtains food poisoning after dining there.
- Worker’s Compensation – Will help protect you if an employee becomes injured at work.
- Automobile Liability – You may want to consider automobile liability if you have a company vehicle that employees frequently drive.
Additional Insurance Options
Depending on the needs of your establishment, you may also want to consider several other types of restaurant insurance including life insurance, liquor liability, and food contamination insurance. Speak with a trusted insurance agent about the options available to you. They can guide you through the various laws, regulations, and insurance types that would best suit your particular restaurant.