Owning a restaurant is exciting. The kitchen is buzzing, the oven is hot, and employees are racing through the door with trays on their shoulders. But with all of the hustle and bustle comes risk. If you own a restaurant or cafe, you’ll need to purchase the right insurance policy to protect your business from a number of risks specific to your industry.
If you have employees, and to comply with state laws, you need workers’ comp insurance. You need protection for your space (whether leased or owned), your property and your inventory. You need coverage in place in the event of an accident involving customers and employees. If your business uses vehicles, you need commercial auto insurance to cover you in the event of an accident. And if you serve alcohol, you’ll want to be protected with liquor liability coverage. To save time and money, you can combine nearly all restaurant coverages you need into a single business owner’s policy (BOP).
Need more information? Speak with one of our insurance experts to find the right coverage for your business.