Restaurant owners face many different risks while running their business. Restaurant insurance is a specialty business insurance policy that covers several risks and gives the restaurant owner the confidence he or she needs to be successful.
Whether you run a small café or a national chain, you could be held liable for contaminated food, spilled coffee, slips and falls on your premises, and much more! You will want the best restaurant insurance policy for your establishment. What are the basic insurance coverages for a restaurant?
Property Insurance: This coverage protects your property in the event of a fire or vandalism, but it may not cover natural disasters such as floods. Speak with your insurance agent to find out if you need additional coverage for natural disasters.
General Liability: This is an umbrella insurance policy that protects you if someone slips and falls on your property or if a patron gets sick after consuming your food, even if it’s not your fault. General liability insurance is a must have in today’s sue-happy world!
Employee Coverage: Most states require that all employers carry workers compensation insurance to protect you if an employee gets hurt on the job. Unemployment insurance covers employees who no longer work for you until they find another job.
Family always comes first. Their future depends on you! Protect your family and loved ones today by calling Auburn Insurance & Realty Co., Inc. at (401) 943-3388 or visiting us online at https://www.auburninsurance.org/
Source: https://www.thebalancesmb.com/restaurant-insurance-basics-2888374