Running a restaurant is challenging. No one wants to think about lawsuits, loss of income, or even property damage. Having adequate restaurant insurance can help relieve the stress and allow you to focus on your business and your customers. Restaurants come with a wide range of risks and each is unique in nature.
From general liability to business income coverage, we can help to distinguish which coverages your restaurant needs. Whether you operate a full-service restaurant or limited service restaurant, protecting your business should be on the front burner. Don’t let your business go unprotected.
Types of restaurants that we help insure:
- Fine Dining
- Food Delivery
- Fast Food
- Pizza Restaurant
What Types of Insurance Do Restaurateurs Need?
Every business should be prepared to cover medical or legal expenses due to injuries or accidents. Restaurants are a potential source of injury for both employees and guests due to the many risks involved in food preparation and serving.
Workers’ Compensation Insurance
Even the safest restaurants can experience accidents. Employees who injure themselves on the job can be your financial responsibility. Medical expenses and a portion of their wages are covered under Workers’ Compensation Insurance.
Liquor Liability Insurance
Liability associated with the sale and serving of liquor is typically not covered under standard commercial insurances. A specific Liquor Liability Coverage in Michigan helps keep your business safe from incidents that arise due to intoxicated customers. These damages can often be severe – so it’s important for any restaurant that serves alcohol to have specific liquor coverage!
Commercial Umbrella Insurance
Umbrella insurance is a type of supplemental insurance designed to reduce the possibility of exceeding the limits of your standard insurance coverage. When you’re responsible for an injury, death, or held legally liable for damages, the costs can quickly reach the maximum amount covered by your policy. Umbrella insurance is the safety net that helps you weather these extreme cases.