Restaurant Insurance

Looking for Restaurant Insurance in Florida?

We've got you covered!

Owning your own business is hard enough as it is right? Between the schedule managment, staff coming down with the mysterious sickness of the quarter, and especially unhappy customers.

We sadly can’t resolve the issues listed above but we can resolve an issue you might not even have thought of yet.

Liability Coverage for your Restaurant

Picture this, you have a customer who specifically lets you know of a food allergy that must be avoided. Your kitchen staff not paying attention accidentally contaminates their meal with said food allergy.

Not only does your customer suffer from the extreme allergic reaction but you are now wide open to a potential lawsuit.

See, things like this happen every day in our world. Although they might not happen every day in yours, our job is to make sure you are protected from the "what if"

Restaurant Liability Policy Components

There are multiple "components" that make up a solid Restaurant Insurance policy. Different companies may offer these as a "bundle" while with others they are a' la carte.

General Liability Insurance

This coverage is going to protect you from a variety of potential claims. Some of these examples can be bodily injury, property damage, personal injury, and others that can potentially come up if you are found negligent.

Worker's Compensation Coverage

Do I want this? In most states, if you have employees then this isn’t even a question. This is a must to be able to employ staff. Worker's Compensation (otherwise known as workers comp) is strictly designed to ensure payment by employers for some part of the cost of injuries to an employee. Some examples of this can be things like:

• Injury at Work
• Disease caused by the work environment

In most cases an incident would need to take place while the employee is at the place of employment, however, it would be best to discuss with your local independent insurance agent for more of a case-by-case basis.

Loss of Income Insurance

What happens in the event you are unable to open your restaurant due to a claim? This in most cases would cause a major hardship for you as a business owner. You wouldn’t be able to serve your customers which in turn means no income coming in.

This is where Loss of Income Insurance is imperative. This coverage would allow you to have a "backup” plan in the event you were unable to generate an income due to a covered loss.

Property Damage

This would allow you coverage for damage to your building, inventory, or equipment. Most policies would offer you a replacement cost coverage for these items so you would be able to repair or replace these items for today’s cost.

To make sure you have replacement cost coverage on the property it is important to check with your independent insurance agent.

Crime and Vandalism Coverage

This would cover you in the event you had a claim due to a burglary, robbery, employee theft, or any vandalism to the property.

Here are a few examples of clients we work with and make sure their business is protected:

• Local Restaurants
• Food Trucks
• Catering Companies
• Food Delivery Restaurants
• Ice Cream Trucks
• Bars
• Cafeterias
• Local Diners

The list can go on and on.

So how do you know if a restaurant liability policy is a good fit for your business?

We always would recommend you call a local independent insurance agent like us, and discussing your coverage options. Our agency can work with you in finding the perfect fit for your restaurant insurance needs.