As a restaurant owner, mitigating the risks connected to establishment operations, such as fires and food contamination, comes with solid work processes—and the right insurance coverage. The right options help avoid liability problems that cost time, money, and reputation damage. Review them here before requesting an insurance quote from a local carrier.

What Types of Restaurant Insurance Should Owners Think About?

1. General Liability

By purchasing general liability insurance, you’re protecting your restaurant from personal injury lawsuits, such as those from slips and falls. General liability insurance also covers lawsuits from food contamination-related illnesses, so you do not have to purchase separate coverage.

It can also provide property insurance in case of natural disasters, kitchen fires, and other problems that damage your restaurant’s interior and exterior.

2. Liquor Liability

If your restaurant sells alcohol, ask your carrier for a liquor insurance quote. General liability coverage does not account for liquor-induced incidents. Liquor insurance provides liability if a patron claims battery, assault, or other physical injuries that occurred at your restaurant from libation-fueled behavior.

It also provides liability in bodily injury or property damages stemming from alcohol poisoning, sexual assault, and drunk drivers.

3. Business Interruption

When unforeseen problems cause your restaurant to temporarily shut down, such as vandalism, equipment damage, fires, and storm damage, business interruption insurance helps you cover the costs.

It provides funds for operating expenses, such as mortgage or rent payments, payroll, taxes, loan payments, and relocations. Business interruption insurance also covers revenue losses.

4. Workers’ Compensation

Employees can injure themselves at work no matter how careful they are and how safe your restaurant is. Burns and fall-related impairments are among the most common injuries restaurant employees can experience.

Rather than paying the medical costs of staff injuries, protect yourself with workers’ compensation insurance. Such insurance is also mandatory depending on where you live, such as Ohio or California. 

Get a restaurant insurance quote from Kramer-Myers & Werring-Dickerson Insurance. Known for putting customers first, this Batavia, OH-based agency offers life, farm, home, and auto insurance in addition to business coverage. Call (513) 732-1461 today for an insurance quote or visit the agents online for more information.