|General Liability for Injury:||YES (Included on Business Owners Policy)|
|Property Coverage:||YES (Included on Business Owners Policy)|
|Payment Options:||YES (Pay in Full OR Payment Plans)|
|Low Down Payments:||YES (Flexible Payment Options)|
|Business Income Coverage:||
YES (Lost Income from Natural Disaster)
|Food Spoilage Coverage:||YES|
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 ensure 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.
CommercialInsurance.Net specializes in helping restaurant owners find competitive rates from leading carriers. Enter your zip code and click "Get Quote" a representative will be with you soon to assist with the commercial insurance quote for your restaurant.