Every business is responsible for the safety and well-being of their customers, but few industries are more vulnerable to lawsuits than restaurants. A single accident or food safety issue can lead to liability claims that can put you out of business, which is why a comprehensive commercial insurance policy is so important. Below are a few of the most common liabilities restaurants might face.

What Restaurant Liabilities Should You Keep in Mind?

1. Food Safety

Improper sanitation, cross-contamination, and other issues in the kitchen can make your customers sick. This can damage your reputation and open the door to expensive liability claims. Even the most diligent kitchen staff can’t prevent illnesses caused by tainted ingredients, so every restaurant needs a commercial insurance policy with high liability limits.

2. Workplace Injuries

In North Carolina, every business with more than three employees is required to carry workers’ compensation insurance, which shields you from workplace injuries. Knives, stoves, and other threats can cause serious accidents, which you may be liable for without a comprehensive commercial insurance package.

3. Alcohol-Related Injuries

Many restaurants serve liquor, which can be a valuable source of revenue. However, you may also be held liable for damages if a member of your staff serves alcohol to an inebriated customer who goes on to cause an accident.

4. Commercial Auto Accidents

Deliveries can be a critical component of your restaurant, but if one of your delivery drivers gets in an accident, your business may be held responsible. Even if your employees use their own vehicles, you should have commercial auto insurance as part of your coverage package.

Owning a restaurant requires a massive investment of time, energy, and resources, which is why entrepreneurs throughout Kannapolis, Mount Pleasant, and China Grove, NC, rely on A Better Choice Insurance Agency Inc. As an independent insurance agency, they work with some of the top carriers in the industry, giving them a broad selection of policies to choose from. Visit their website for more on their commercial insurance services, or call (704) 782-2073 to request a free quote.