| If you own, or are thinking about owning a | | | | cover the food. |
| restaurant, you know the perils of not having | | | | If you are in the food delivery business, you need |
| restaurants insurance. There is the risk of fire | | | | business auto insurance. As part of your |
| because you use fire to cook. Food can go bad, | | | | restaurant insurance package, you need to cover |
| and you accidentally serve it to a patron, then the | | | | for any mishaps caused by your drivers. |
| patron slips on your floor. Not only is he food | | | | If you have employees, you minimally need |
| poisoned, he drank too much and has managed to | | | | workers compensation |
| hurt someone. The list goes on and on | | | | Life insurance can help your family out. They are |
| In the case of a fire, property insurance can help | | | | left holding the bag, your restaurant, if you pass |
| you. You may have to have property insurance | | | | away. Do not put them into a situation to sell the |
| as part of your lease agreement with your | | | | restaurant immediately. Give them a chance to |
| landlord. You will also need it to replace, or repair | | | | keep it going. |
| any damaged restaurant equipment. | | | | Here is the list of restaurant insurance coverages |
| Liability insurance covers you if someone gets | | | | discussed in this article: |
| hurt on your property or becomes ill. It is not | | | | - Property Insurance |
| your fault, but you are still covered. | | | | - General Liability Insurance |
| There is liability if you serve liquor at your | | | | - Liquor Liability |
| restaurant. Patrons can, and do get drunk. They | | | | - Food Contamination Insurance |
| can hurt others in their inebriated state. You are | | | | - Business Interruption Insurance |
| responsible for their actions. Liquor liability | | | | - Business Automobile Insurance |
| insurance is part of that responsibility. | | | | - Employee Insurance |
| The power goes out for a couple of days. Not | | | | - Business Life Insurance |
| only is your restaurant shut down, but your | | | | Is this list inclusive? Do you need more or less? |
| refrigeration equipment does not work. Business | | | | The only way to find out is to have a frank |
| interruption insurance can cover you for the loss | | | | discussion with an insurance agent or broker. |
| of business. Food contamination insurance will | | | | |