If you have a restaurant of your own and wish to save yourself the pain of legal problems and risks of loss, then restaurant insurance is an essential part to add to your business. Due to you handling a lot of third parties, whether its suppliers, employees or customers, there are a lot of people involved that may make things more complex and in danger of trouble. Suppliers may run into a problem along the way without knowing and employees may not notice something vital in time, leading to a customer becoming injured or ill. While your restaurant may be the cause of this, accidents happen, so insurance can cover for them.
Why Restaurant Insurance?
General liability policies may not cover all that's involved in running a restaurant. Some things that are at risk to restaurants in possible legal issues include:
Of course, restaurant insurance often includes other business-related policies, including workers compensation, automobile coverage and more. Its important to seek out a specialized policy for your business, depending on what you need.
- Spoiled or expired food from a faulty refrigerator
- Contamination to food or beverage due to misuse or mistakes
- Liquor liability for restaurants serving alcohol
- A customer receiving food poisoning or having an allergic reaction
- Grease fires and other equipment hazards
- Handling of hot foods that could burn an employee or customer