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Restaurant Insurance & Liquor Liability
Whether you run a deli, café or full service restaurant, all food related businesses should have some type of restaurant insurance coverage to protect themselves from lawsuits, loss of income or property damage. Restaurant owners face a wide array of risks in their day to day operations. Some common restaurant insurance claims include:
- Customer Slip and Fall
- Food Poisoning or other food borne illness
- Grease fires
- Employee Theft
Restaurants and other food service establishments have a variety of insurance needs that are typically satisfied by the purchase of multiple coverage lines.
Common coverage for restaurant owners
Property Insurance
Covers losses if a fire, hail or another event damages your building or equipment. It covers your restaurant location and contents including equipment, business personal property, and interior improvements.
General Liability Insurance
Provides coverage for accidents and injuries at your restaurant. This may be a customer slip and fall or other bodily injury occurring at the restaurant.
Worker's Compensation
Protects a company's employees from the expenses and medical bills from work related accidents & illnesses.
Commercial Auto Liability
Provides coverage for bodily injury and property damage caused by your company's vehicles. If your restaurant business offers delivery or event catering, you may need to purchase hired & non-owned auto liability if employees are driving their own vehicles for business use.
Employee Theft Coverage
Provides coverage if an employee steals money or valuables from your restaurant.
Liquor Liability Insurance
This insurance protects a company that sells or serves alcohol, against claims that occur when a customer drinks too much and injures himself or someone else.
Ft. Lauderdale, FL
Ft. Lauderdale, FL
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