Restaurant Insurance

Insurance for restaurants typically includes coverage for various risks associated with running a restaurant business. Common types of insurance for restaurants may include:

1. Property Insurance: Protects the restaurant’s physical assets, such as the building, equipment, and inventory, against risks like fire, theft, vandalism, and natural disasters.
2. General Liability Insurance: Covers the restaurant against claims of bodily injury or property damage that occur on the premises, such as slip-and-fall accidents or food-related illnesses.
3. Workers’ Compensation Insurance: Provides coverage for employees who are injured or become ill while on the job, covering medical expenses and lost wages.
4. Commercial Auto Insurance: If the restaurant owns vehicles for deliveries or other business purposes, this insurance provides coverage for accidents, damage, or theft involving those vehicles.
5. Liquor Liability Insurance: If the restaurant serves alcohol, this coverage protects against claims related to alcohol-related incidents, such as injuries or property damage caused by intoxicated patrons.
6. Business Interruption Insurance: Helps cover lost income and expenses if the restaurant is forced to close temporarily due to a covered peril, such as a fire or natural disaster.
7. Cyber Liability Insurance: Protects against losses resulting from data breaches, cyberattacks, or other cyber-related incidents that may compromise customers’ personal or financial information.

Many restaurant, café and bar owners have reimagined what the food industry landscape looks like. These are just a few examples, and the specific insurance needs of a restaurant may vary depending on factors such as its size, location, and services offered. It’s essential for restaurant owners to work with an insurance agent or broker who can tailor coverage to their unique needs and risks. Threshold Nosh and Dwell has made it easier to find the right restaurant insurance solution to get you insured and open.