These types of insurance provide coverage for the most common risks businesses in the restaurant industry face.
Workers’ comp is required in almost every state for restaurants with employees. It can help cover medical fees and lost wages for work-related injuries and illnesses.
This policy covers the cost of accidents involving restaurant delivery vehicles, as well as the cost of vehicle damage from theft and vandalism.
This policy covers legal fees, property damage, and medical costs if alcohol is served or sold at a restaurant to a visibly intoxicated person who then harms others.
Most business insurance policies exclude communicable disease coverage. Even if your restaurant has business interruption insurance, the disruption must usually be tied to a commercial property / business owner's policy claim to apply.
If you think your restaurant might be eligible for a claim, contact your insurance company's claims department. Read more about business insurance and the coronavirus.