Restaurant Insurance Basics

While policies will vary from store to store, there are several key protections usually offered in a restaurant policy that provide the following types of coverage:

• General Liability: This type of insurance helps protect restaurants from lawsuits due to physical injuries or property damage caused by their employees, products, or services. This protection also includes legal expenses and any settlements that may result from a liability claim.
• Property Damage & Loss of Income: If your restaurant experiences an interruption in business due to fire, vandalism, or other covered peril, these insurance policies can help you recover lost income and pay for repairs.
• Liquor Liability: If your restaurant serves alcohol, this type of coverage is essential. It helps protect you from lawsuits arising from the sale or service of alcohol to an intoxicated person who then causes injury or property damage.
• Cyber Liability: This protection helps guard against loss due to a data breach or other cyber attack.
• Employee Dishonesty Coverage: This coverage helps protect you from financial losses due to employee theft, fraud, or dishonesty.

In addition to the above protections, there are a host of optional coverage choices that restaurants can add to their policy, such as inventory insurance or food spoilage coverage. It’s important to discuss your specific needs with an insurance agent so that you can get the right coverage for your restaurant.

By investing in the right restaurant insurance policy, you can gain peace of mind knowing that your business is protected if something unexpected occurs.

Getting Help with Restaurant Insurance

If you have questions about your restaurant coverage, our team can help. Call us or click on the quote button for a free consultation and we can provide you with the information you need to make informed choices on keeping your store protected.