Where are we gonna have lunch??

I remember this cafe that served oysters a while back.  It was a popular place.  A patron ate a bad oyster and you know the rest of the story.  Ever since, that place has been jinxed!  EVERY restaurant that has opened up in its place hasn't lasted a year. 

How many of us know stories like that?  How many times has a hot plate been dropped on someone and the restaurant owner doesn't have insurance so they have to close down and sell to defend the suit or pay a settlement. 

Uninsured businesses are worse than uninsured drivers.  The likelihood of something happening in a restaurant or bar is pretty high, yet the number of uninsured restaurants and bars is pretty high.  DON'T LET THAT BE YOU!!!!!!!!!!!

Owning and running a restaurant comes with plenty of headaches. Restauranteurs should never let their commercial restaurant insurance be one of them. Having a good commercial restaurant insurance policy in place will reduce stress and worry down the road.

Commercial restaurant insurance covers restaurants, bars, doughnut and coffee shops, pubs, bistros, delicatessens, and more. A good commercial restaurant insurance policy should cover employees, buildings and equipment, loss of income, liquor liability and general liability.

A restaurant insurance policy needs to provide coverage for a variety of risks. The policy should cover employment practices liability, valet liability and liquor liability. There are a number of coverage options with varying limits and deductibles.

As always, you should talk to your licensed commercial insurance professional to review what is available.

It is important to insure if alcohol is served that liquor liability is included. This insurance will protect the business if a customer gets intoxicated and causes damage or injury to themselves or others.

In addition to these unique coverage options, your restaurant insurance should cover workers compensation, property, and general liability. Other specialty coverage that is available includes plate glass and signage. If you have fine art displayed, there is coverage available as well as parking lot and valet insurance. The commercial restaurant insurance policy should also cover food-borne illness. Business income insurance is also an option to be considered by a restaurant owner.

The restaurant business is a complex business. Make sure you discuss the distinct aspects of your business with your licensed insurance professional so they can help you determine the appropriate coverage.