We offer a variety of insurance coverage types specifically designed for restaurants and food services.
Commercial General Liability for General Liability for Restaurants and Food Services
General liability insurance protects you against third-party claims for property damage and personal harm. If anyone should claim that you or one of your employees caused them injury or damage to their property, you could be facing a costly lawsuit or settlement.
Commercial general liability insurance pays for defense costs in the event that these claims lead to litigation. This coverage also includes forgone income during your time spent in court and compensation fees.
Restaurants are at a high risk for general liability claims which is why we strongly recommend purchasing general liability insurance for your food service business. We can insure that your business will not suffer financial detriment as a result of one of these potential perils.
Workers’ Compensation Insurance for Restaurants and Food Services
You may need workers’ compensation to cover any employees in the event of an injury on the job or suffer a work-related illness. Workers’ compensation insurance pays for their medical expenses and some of their lost wages as a result of their ailment. As the business owner, you can also cover yourself for any injuries or illnesses sustained from work.
Restaurant and food service workers are exposed to a variety perils while on the job which is why workman’s compensation insurance is a relevant insurance policy for industry business owners to purchase. Some states may mandate that as a business owner you provide workers’ comp coverage for your employees. Be sure that you understand your state’s laws regarding workers’ compensation requirements.
If you have any questions, our restaurant insurance experts can help you find information about workers’ compensation insurance requirements within your state. Consult with one of our agents today!
Property Insurance/ Business Owner’s Policy (BOP) for Restaurants and Food Services
The Business Owner’s Policy, or BOP insurance, the most comprehensive insurance package that restaurant and food service owners can purchase. This package incorporates general liability coverage with the property coverage into one, simple package covering a wide range of potential perils.
Our restaurant specialists can provide property insurance to protect your business’s property such as cooking equipment, tables, and even cash registers.
You can also add food spoilage coverage, food contamination coverage, and business interruption coverage to any property insurance or BOP coverage. Let our restaurant experts help you and your business get an insurance package tailored to your needs.
Liquor Liability Coverage for Restaurants and Food Services
Liquor liability coverage provides protection for restaurants and food services that serve alcohol. In the event that your business is sued for any injury or accident directly resulting from an intoxicated patron this policy is your best defense. Any bodily injury or property damage related to your business selling, serving or furnishing any alcoholic beverage will be covered with this policy.
Many states, counties, or towns will have liquor liability insurance as a contractual requirement for your business to operate. Our restaurant specialists will help provide you with the liquor liability insurance you need.
Excess Liability Insurance/ Umbrella Coverage for Restaurants and Food Services
Umbrella insurance provides your business with an additional layer of insurance protection to your existing general liability policy.
For example, you have $500,000 in general liability coverage and a client claims he was injured resulting in a $750,000 in compensation fee in court. If you purchased excess liability insurance, your umbrella insurance would provide the additional payment needed for this claim.
If you are in search of an easy and cost-effective way to increase your existing policy limits, excess liability insurance is the most efficient way to raise the limits on your general liability policy.
- You can prevent fire hazards by installing ventilation fixtures.
Be sure to have adequate ventilation fixtures and are keeping your kitchen grease-free in order to prevent fires.
- Make sure that all of your servers understand and comply with alcohol policies.
Regularly review regulations for distributing alcohol with bartenders and servers, and make sure your employees meet all training requirements.
- Be sure to know the conditions of where your food has been stored.
Strictly monitor food temperatures during preparation, transit, presentation, and storage to prevent spoilage and potential food contamination.
Insureon provides customized insurance coverage the following food service businesses, including:
- Fine dining restaurants
- Full service restaurants
- Fast food restaurants
- Family-Owned restaurants
- Food carts
- Coffee shops
- Ice cream shops