A solid restaurant insurance strategy includes:
- General Liability Insurance – protects against customer injuries or property damage on-site (like slip-and-falls).
- Product Liability Insurance – covers claims tied to foodborne illnesses or allergic reactions caused by meals served.
- Commercial Property Insurance – covers building, kitchen equipment, furniture, and inventory.
- Business Interruption Insurance – replaces income if you must temporarily close due to a covered event (e.g., fire or storm).
- Workers’ Compensation Insurance – legally required in most states if you have employees, covering workplace injuries and medical expenses.
- Liquor Liability Insurance (if you serve alcohol) – needed to protect against claims related to intoxicated patrons.
