Pub Insurance

Commercial restaurant insurance coverage is a necessity for restaurants, donut shops, coffee shops, delicatessens, pubs, bistros, and nightclubs.

Running a pub means juggling numerous tasks every day.  It means having all sorts of stress in your life all the time. You do not want to let your pub insurance become one of the things which cause you stress.

Putting a good insurance policy in place will reduce stress and worry down the road, and it will allow you to focus on the operation of your pub.

An appropriate insurance policy for a pub needs to provide coverage for a variety of risks.  It should cover employees, equipment, buildings, liquor liability, general liability, and loss of income.

If alcohol is served, liquor liability should be included. This insurance will protect you and your pub if a customer gets intoxicated and causes injury to themselves or others or damages to property. There are a number of coverage options with varying limits and deductibles.  Make a note to talk to your licensed insurance professional to review what you need.

Additionally, your pub insurance should cover workers compensation and perhaps insurance to cover plate glass and signage.  In this day and age, the pub insurance policy should also cover food-borne illness.

Be sure you discuss the unique aspects of your business with your licensed insurance professional so your agent can help you determine the appropriate coverage.

Insuring a Restaurant or Bar

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.

Owning and running a restaurant comes with plenty of headaches.  Don’t let your commercial restaurant insurance be one of them.  Having a good commercial restaurant insurance policy in place will reduce stress and worry down the road.  One factor is certain in running a restaurant; the risk exposure regarding liability is higher than many other types of retail businesses.

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.  Talk to your licensed 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.

Talk to your licensed insurance professional about whether a business umbrella policy makes sense to further reduce the risk of financial ruin from a liability damage lawsuit and award.

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 and deductibles to customize your restaurant insurance policy.

Coffee House Insurance

Owning and running a coffee house can be intense and stressful as well as fun and rewarding.  But thanks to the popularity of Starbucks and other upscale coffee houses, this segment is growing.

Don’t let your commercial coffee house insurance add to the stress. Having a good commercial coffee insurance policy in place will reduce stress and worry down the road.  Spend your time creating new and exciting coffees and lattes for your clients and not worrying about what ifs.

A good commercial coffee house insurance policy should cover employees, buildings and equipment, loss of income, and general liability.  Due to the nature of the work, a shut down or business interruption could be disastrous.  Make sure a loss of income insurance is included.  Product liability is a must for a coffee house owner to put into place.

A coffee house insurance policy needs to provide coverage for a variety of risks.  There are a number of coverage options with varying limits and deductibles.  Talk to your licensed insurance professional to review what is available.  Make sure to get product liability insurance as part of the package no matter what you other options you choose. On product liability claim can be financial ruin for a small start up or even established coffee house business.

In addition to these coverage options, your commercial coffee house insurance should cover workers compensation, property, and general liability.  Other specialty coverage that is available includes plate glass and signage for your retail location.

Make sure you discuss the distinct aspects of your business with your licensed insurance professional so they can help you determine the appropriate coverage.  Spend your days with customers and building your business, not worrying about risks associated with running a retail coffee operation.

Restaurant Insurance

What should I look for in restaurant insurance?

The restaurant and hospitality in general is a tough business to be in. Running and owning any business, but especially a restaurant comes with lots of headaches. Don’t let your commercial restaurant insurance be one of them. By putting the proper insurance coverage in place, you will eliminate a lot of stress and worry down the road as your business grows and evolves.

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. Talk to your licensed 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.

Equipment breakdown or mechanical breakdown insurance is imperative if you own a restaurant. This type of policy typically will cover property damages and also for a loss of business revenue (Business Interruption) due to the equipment failure. Walk in coolers, grills, ovens, and other expensive equipment breaking down can have a huge financial impact on the business.

Glass insurance may also be considered depending on the physical space and location. Glass insurance normally covers plate glass storefronts, and broken store windows which normally aren’t covered in a policy. In addition to these unique coverage options, your restaurant insurance should cover workers compensation, property, and general liability. The commercial restaurant insurance policy should also cover food-borne illness.

The restaurant business is a complex business. Your licensed insurance professional should have an understanding of the restaurant business. Your state department of insurance is also a good resource for information regarding restaurant insurance.

Make sure to discuss the unique aspects of your restaurant with your agent.

Restaurant Insurance

Is there business insurance just for restaurants?

Any restaurant operation comes with plenty of headaches.  Don’t let your commercial restaurant insurance be one of them.  Putting 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.

The 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.  Talk to your licensed 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.  Keep your agent informed of any training conducted by your staff in relation to liquor service or food service as they may warrant a potential discount on certain coverage.  Review with your agent if product liability insurance should also be considered.  Your state department of insurance as well as your restaurant association can be a great resource.

Along with these unique coverage options, your restaurant insurance should cover workers compensation, property, and general liability insurance.  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.

Why Is My Restaurant Insurance So Expensive?

Why is my restaurant insurance so much more expensive than my brothers flower shop?

Owning and running a restaurant comes with plenty of headaches. Don’t let your commercial restaurant insurance be one of them. Having a good commercial restaurant insurance policy in place will reduce stress and worry down the road.

That being said, no business insurance will be the same in a similar industry, let alone a different one. Concentrate on making sure the coverage for your restaurant is adequate and affordable while understanding risk and coverage differ dramatically.

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.

Talk to your licensed 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. This particular coverage will pay expenses in the event the restaurant is temporarily closed while being remodeled or rebuilt after a covered event. It may even cover the expense of relocating to a different location.

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.

Sit down with your licensed insurance professional and develop a restaurant insurance package that works for your specific circumstance.

Restaurant Insurance

Looking for restaurant insurance?  If you’ve taken the step of opening an eatery, restaurant insurance is important for protecting yourself against liability lawsuits and broken equipment.  Restaurant owners need Property Insurance to protect their restaurant from fires, they will need Liquor Liability insurance in most states that require a license to carry liquor, and if the restaurant owner has company vehicles they should consider Commercial Auto coverage as well.  All restaurants–just like any business with employees– should also know their obligations to workers according to their state, and provide Workers Compensation in case an employee is hurt on the job.  An insurance agent knowledgeable about restaurant insurance should consult you about all of these policy types.  If you would like a competitive, quick, free restaurant insurance quote please call 877-907-5267 to speak with one of our specialists.