How Restaurant Insurance Can Protect Your Liability

How Restaurant Insurance Can Protect Your Liability

Those who own a restaurant know how much risk is involved with running one. From all of the safety hazards that can arise to protecting assets, there are a number of ways restaurant insurance can assist in protecting you.

  1. General Liability – Because restaurants are more prone to accidents relating to spills and hot beverages, it is beneficial to have coverage for a wide range of accidents. General liability coverage can protect your business from a wide range of accidents that are common in the restaurant industry.
  2. Liquor Liability – If your restaurant serves alcohol, you should consider restaurant insurance that includes liquor liability. This can help protect your business in the event that a guest you serve is involved in an accident or altercation while intoxicated. They may choose to press charges, and if your business is not protected you may find yourself paying high fees and fines.
  3. Employee Benefits Liability – Although restaurant owners do their best to take care of their employees, problems can still arise. Issues can occur in employee’s health benefits through improperly describing benefits, errors in enrolling or even simple clerical errors. Employees or former employees may sue if the damage is severe enough. By maintaining an inclusive restaurant insurance plan, you can protect your business. Limit the risks involved in running a restaurant and protect yourself with liability insurance. You will be protecting the future of your business and its assets.