What are the Business Insurance Covers Provided in Restaurant Insurance?

If you run a restaurant you need insurance to cover your business against third party claims and the risks that interrupt your business. Restaurant Insurance is tailored exactly according to the needs of restaurants. It protects you and your restaurant from a number of problems ranging from equipment breakdown to the liability claims. Depending on the location of your restaurant, there are certain types of covers which you need to add in your restaurant insurance.

Today, we see many hazards in commercial kitchens. A slight and little spark or flame can cause a devastating fire in the whole restaurant. Being diligent and alert to the need of fire safety can be a good start; however it is important to be covered with restaurant insurance policy. The following are the coverages included in restaurant insurance:

  1. General Liability Insurance: This is an important cover for every business including restaurant/take away. This includes public liability and the property damage. That is to say, liability insurance protects your restaurant from any property damage or personal injury.
  2. Workers Compensation Insurance: Workers compensation also called employer’s liability insurance insures your employees’ medical expenses and the lost wages in the event of any injury on the job.
  3. Liquor Liability Insurance: Liquor liability insurance covers the legal liability on your restaurant business that sells serves and distributes alcoholic beverages. The policy covers only injuries of an insured which has caused due to serving, selling or distributing alcoholic beverages.
  4. Stock and contents cover: This insurance covers stock and contents of your business which includes theft of stock, equipment breakdown, fire damage etc.

Thus, these are policies useful for restaurant businesses. If you want to cover more for your restaurant business, you can take optional coverages available for restaurant insurance. Hope, you cover all the risks associated with your restaurant business.

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