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Find the Perfect Insurance for Your Restaurant

Category: Business Insurance

As a restaurant owner, you know the importance of choice, customer service and consistency. You want an insurance policy as well managed as your eatery. If your policy hasn’t been updated for years or contains undiscovered gaps in coverage, you could be risking it all.

All restaurants and food service businesses should have certain types of insurance coverage. Your state or municipality most likely requires you to carry specific policies, so be sure to check with your local bar and restaurant authorities on those regulations.

A basic restaurant insurance package should include: general liability coverage; workers compensation insurance; property damage coverage; identify theft or data breach coverage; mechanical breakdown coverage and loss of revenue insurance.

You run a tight ship, but just one accident from an employee or customer can leave you at risk to liability claims and lawsuits. Chefs could cut themselves while chopping vegetables or a customer could slip on a damp bathroom floor. A clever criminal could access credit card information from your nightly tickets. You want a full menu of protections from all of these exposures.

Mechanical breakdown coverage can save you the costs associated with the event a freezer or cooler malfunctions and spoils thousands of dollars worth of food. Loss of revenue coverage can help maintain your restaurant’s income while repairs are being completed due to a damaging storm or severe weather event. You’ll also want to ensure your property insurance coverage is up-to-date to reflect any recent equipment purchases, such as the addition of a new oven, dishwasher or smoker.

You may need to consider additional coverage options if your restaurant sells alcoholic beverages, offers catering or delivery services or grows some of its own produce or proteins. You want your restaurant insurance package to meet all of your unique culinary needs.

Knowledgeable, independent representatives at United Insurance Agency are always available to answer any questions you may have, suggest coverage options best suited for your specific type of restaurant, and even assist you in filing a claim. We are able to locate you a variety of policy quotes from a number of providers, ensuring the package you choose offers the best coverage at the most competitive rates. Contact us to find out how you can obtain the perfect restaurant insurance package.

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