Insurance By Trade
Having a productive and profitable restaurant is demanding. Sharp knives, frying oil, burning grills, boiling pots and long hours: what could go wrong? On the one hand you are legally liable for your employees. But that’s not all. On the other you are vulnerable to claims from employees. As a restaurant owner you are in a legally vulnerable position.
This isn’t small potatoes. Claims that are well-substantiated and warranted can cost thousands of dollars.
- Commercial General Liability Insurance
- Commercial Property Coverage
- Loss of Income Coverage
- Equipment Breakdown Coverage
Even when they don’t hold up in court, the negative publicity is bad for business.
Is Your Restaurant Properly Prepared?
Is your restaurant one dish away from disaster? It doesn’t have to be. With a history of providing comprehensive coverage for small restaurant owners, we have the experience and know how to customize your policy to cover all your insurance needs. We offer total restaurant insurance solutions, so that you can run your business without fear of lawsuits.
5 Best Reasons To Get Restaurant Insurance
Protect Your Reputation
Insurance protects against employees misrepresenting your company.
Plan For The Future
Insurance protects against unforeseen risks.
Vital protection in a litigious society.
Prevent Financial Ruin
Insurance helps your business survive a disaster.
Get Peace of Mind
Insurance that protects the little guy.
And, as your small business expands, it is wise to increase your insurance coverage as well. Our services do not end when you purchase your insurance coverage. Just like you, we know the value of building long term relationships with our clients.
You run a good business. It hasn’t happened to you in all the years you’ve been running your restaurant, why should it happen now? But sometimes, that’s just the way the cookie crumbles.
- Never assume your patrons will use common sense.
- Always provide clear labeling for how your food or beverages are prepared.
- Train employees on your menu items, preparations, and warnings.
- Put restaurant insurance in place.
The 5 Most Common Lawsuits
- Dram shop laws
- Violation of wage and hour laws
- Health Code violations
- Claims relating to food-bourne illnesses
- Slip-and-Falls just one of these lawsuits can cost you in upwards of $100,000
“It will never happen to me!”
The Hot Coffee Lawsuit: Stella Liebeck was awarded $2.86 million after she suffered third-degree burns at McDonalds. Blanca Ramirez was awarded $15.4 million to from Jack in the Box in a lawsuit involving age and disability discrimination claims. Are you ready to protect your bread and butter with small restaurant insurance?
What Restaurant Insurance Do You Need?
Business Owners Policy
Includes two or more types of coverages packaged together in one policy. BOP is designed for the small to medium sized business with limited exposures like offices and small retail outlets.
General Liability Insurance
Necessary for all commercial businesses as it provides third-party bodily injury and property damage coverage.
Protects against incidents like if one of your servers provides alcohol to an intoxicated customer who then drives and causes an accident.
Loss of Income Coverage
This insurance coverage reimburses business owners for the loss of income due to damage by a covered loss (like fire or storm).
Benefits of get insured by
Small Business Liability.com
Small Business Liability.com have created a comprehensive guide to the insurance required before starting a business for each of the specific professions listed below.
If you have any questions, we are staffed with experts in the insurance field willing to help.
With our expertice we can guide you to the right coverage for your business.
We know your time is really thight, but you can set up a call at any time, we are 24/7.