Restaurants and bars are particularly vulnerable to unique risks, including food poisoning, kitchen fires, slips and falls, burglary, employee errors, alcohol-related incidents, and more. Our specialized insurance coverage options prevent service industry business owners from having to pay out-of-pocket to cover these types of expenses.
At Doeren Mayhew Insurance Group, we have time-tested experience providing guidance for business owners needing to preserve their financial wellbeing. Read on to learn more about the available coverage options for food service industry businesses and how these insurance policies effectively protect owners’ personal and financial liability.
General Liability Insurance
General liability insurance protects against lawsuits, accidents, and oversights that can have huge financial implications. Liability insurance offers restaurants and bars coverage for offers financial protection for legal, medical, and other costs related to the following:
- Customer injuries or property damage
- Advertising injuries, including slander or copyright infringement
- Host liquor liability
- Product liability
Commercial Property Insurance
Commercial property insurance protects the physical property owned or leased by the business. Commonly referred to as business hazard insurance, commercial property coverage offers a safety net of protection against:
- Business property or inventory damage, including food spoilage and equipment breakdown
- Vandalism and theft
- Fire damage and some weather damage
Liquor Liability Insurance
Liquor liability insurance offers coverage against legal fees, medical bills, and settlement costs associated with alcohol sales causing physical harm or damages. Especially important in states with dram shop laws, and often required in order to secure a liquor license, this type of liability insurance offers protection if an individual who became intoxicated at your establishment causes accidental injury or property damage. Liquor liability insurance can also offer protection against assault and battery claims, employee intoxication, and more.
How We Can Help
Accidents and mishaps are common in restaurants and bars. To offer protection, business owners should protect their bottom line from lawsuits and other liabilities by securing the right type of insurance coverage. Schedule a consultation with one of our trusted agents to discuss your options and secure cost-effective coverage for your business.