For many restaurant or bar owners, running your business can be like a juggling act that you try to keep simple, and your restaurant insurance should be simple too. You probably don’t want to have multiple insurance policies for different things and then try to keep track of what’s covered in your business and what isn’t. A comprehensive insurance policy designed specifically for restaurants can simplify and consolidate your insurance needs into one.
First of all, restaurants face some specific challenges with serving food, offering parking services, serving alcohol, employing drivers, and operating machinery. All of these things should be specifically covered in your restaurant insurance plan. This helps you to keep your business running smoothly, even overcoming small bumps in the road that could otherwise be a major problem. This type of insurance plan will also help to protect you against illegal activity or lawsuits.
If you are interested in simplifying your restaurant or bar insurance options, then find an agent who can provide a policy with general coverage as well. Your insurance plan should include coverage for your employees, and any needs that they have. Maybe you want to offer your employees a benefit plan, with a 401K, health coverage, and worker’s compensation.
You should also include other general items like liability insurance, property insurance, and crime policies. These all help protect your restaurant business from burdensome expenses, so that you can focus on running your company.