Skip to main content

Does Your Restaurant Have Coverage?

By November 4, 2014May 21st, 2020Insurance


In addition to producing a profit, restaurant owners have many different responsibilities to ensure that their restaurant runs as smoothly as possible. Have the right insurance to protect the restaurant is one of their most critical responsibilities. As an owner, make sure to invest in the following insurance coverage options to ensure that you and your restaurant are covered in any situation.

  • Commercial auto insurance. If you have a car that is used to make deliveries, a commercial auto insurance policy will provide the coverage needed for your vehicle and employees who drive the car.
  • Worker’s compensation. This policy will provide coverage for any employee who are injured while on the job. It includes payments for medical treatment, lost wages, and more.
  • Business Interruption/Business income coverage. If you need to stop business for a variety of reasons, such as a natural disaster, a business income coverage policy will cover any losses that are incurred.
  • Property and sewer or drain coverage. This policy will provide the financial coverage in case you have to repair your restaurant due to damage caused by sewer malfunctions, and other issues.
  • Employee practice liability insurance. This policy will provide the protection needed in case of a claim that is filed due to harassment, discrimination, or wrongful termination.
  • Business property and outdoor sign coverage. If your building is damaged from any named event, such as a burst pipe or fire, this policy will provide the coverage needed to replace or repair the property.
  • Umbrella insurance. If the liability of any of your other insurance policies runs out, an umbrella policy will provide the extra coverage needed so that you do not have to pay out of pocket to cover any costs.

We can help you  with all of your business and commercial insurance needs to ensure that your restaurant is protected from any situation, contact us and we can ensure that your restaurant will have all the coverage that it deserves.