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Cooking can be a hobby, a passion — or for those reading this, a business. It’s one thing to cook in your own kitchen for a few friends. But when you’re a restaurant owner taking on a dinner rush, the chaos can cause frantic decision-making. That’s when things can get dicey. It doesn’t matter whether you run a tiny juice bar or a burger chain, you need a policy that will cover every risk on the menu.
Why Do I Need Restaurant Insurance?
Restaurant disasters may not be on the menu, but bad things are bound to happen. Especially when your kitchen is facing a rush of orders. Here’s a look at just some of the things that can go wrong:
- You could lose your stuff: Damage or loss of your property, equipment, and inventory.
- You could be sued: A drunk-driving accident caused by over serving a customer.
- You could make a mistake: Food poisoning caused by improper handling of ingredients.
- Here at First Underwriters, Our agents will review your needs and help you evaluate the restaurant Insurance coverage that makes the most sense. We’ll also compare policies and quotes from multiple insurance companies to make sure you have the right protection in place. We will hook you up — in a comprehensive and affordable way.
Restaurant Insurance Coverages
Commercial property is the policy that an organization purchases to pay for damage to its own buildings and the personal property in them. A commercial property policy can also cover loss of income or increase in expenses that result from insured damage to buildings and their contents.
Insurance exists for the purpose of protecting persons and organizations from the adverse financial consequences of certain unpredictable events, regardless of the coverage line being considered. For general liability insurance, the unpredictable event that constitutes the subject of the insurance is a claim of legal liability arising out of a company’s operations, premises, products, and completed work.
If you have a valet service, this covers damage to customers’ cars that may result.
This covers any inventory that spoils in a power outage or similar mishap.
If you sell alcohol, this covers costs related to someone becoming intoxicated at your restaurant and hurting themselves or someone else.
This covers your employees’ medical treatment and lost wages if they get injured on the job.
This covers repair and replacement costs for your equipment under a wide variety of circumstances, including power surges and mechanical breakdowns.