Taking ownership of a restaurant brings a lot of responsibility with it. One of those responsibilities is finding the right restaurant insurance to cover your restaurant as well as the employees who work there. Your restaurant is a unique combination of risks and benefits that deserves an insurance policy that is customized to its needs. There are some general areas of coverage that most restaurants need or desire, but the right insurance agent or broker can also help you create a policy just for your restaurant’s needs.
Having coverage for your employees is important. Many restaurant insurance plans will include a type of worker’s compensation plan in case an employee is injured on the job. Other options include a plan that covers food borne illness. There is also liability insurance, just in case a customer slips or trips on your property. You also have the option to add property insurance onto the plan to protect yourself from possible damage to your property, whether caused by someone else or a natural disaster. If your company has its own vehicles or provides valet parking, you may also wish to have coverage that includes protection for each.
These are just some general items that some restaurant insurance policies include. Your policy can be customized to your restaurant’s specific needs. Take into consideration everything from the type of customers you serve to the location of your restaurant, and you and your insurance agent may be able to find the best policy for you. Click here to know more.