What insurance is needed for a Restaurant?
Insurance for Restaurants can vary within the industry as to what specific policies are best for your business. Listed below are some common coverages that a business might need in the industry.
- General Liability covers you and your company for claims involving bodily injuries and property damage resulting from your products, services or operations.
- Commercial Property helps to cover your company’s physical assets, such as your building.
- Business Personal Property helps cover your moveable property, such as computers and furniture.
- Business Interruption insurance helps replace lost income and other expenses incurred when affected by a covered peril.
- Spoilage coverage can help reimburse contaminated perishable goods. Example: power outages causes your fridge and freezer contents to spoil.
- Liquor Liability helps protect a business that sells or serves alcohol. This can help cover claims of bodily injury or property damage done by an intoxicated person after a company served them alcohol.
- Worker’s Compensation could also be needed if you have employees.
- An additional optional coverage to consider is Cyber Security.
Each situation and Restaurant is different and unique, so a consultation with us is the best way to find the specific coverages your business needs. Consultations and quotes are always free, with no-obligations, so click “Get a Quote” below to get started with us today.