There are so many crucial factors that need to be in place to keep a restaurant running. But, as a business owner, nothing is more important than purchasing general liability insurance for restaurants. This is why restaurant insurance is tailored specifically to your industry. Our professional insurance specialists work with you to make sure you are covered. We have been servicing customers in Los Angles and all of California since 1986. To speak with an agent, please call (877) 539-2533.
Many people, such as children and the elderly, are inclined to hurt themselves inside a business. Don’t leave yourself exposed to potential lawsuits! This can be the difference between keeping your business or being forced to shut your doors forever to the public.
There are many different insurance plans that are marketed to restaurant owners so it’s important to compare restaurant insurance plans to get the best coverage for your business. When you own a restaurant, keeping a liability insurance policy is extremely important. Incidents such as:
and other accidents can happen as you run your business. Without liability protection, you leave yourself and your brand open to lawsuits.
A Business Owner’s Plan will package commercial property and liability coverage into one plan to meet your needs. This is a very common insurance plan for restaurant owners. The business owner’s liability coverage form will provide you with coverage for business liability and medical expense payments. This part of a policy covers your liability. This is for any damages that occur because of physical injury or property damage.
Additionally, any insurance company should provide defense costs if the client is required to go to court. These costs include:
Medical expense insurance covers expenses for the treatment of bodily injury caused by an accident on the property. This may include areas around the property, such as in the parking lot, or an accident because of the business operations, such as a kitchen injury. Medical expenses are usually covered within a year of the date of the accident.
Worker’s compensation is a special kind of medical expense coverage that protects the business owner if an employee becomes injured or sick while at work. Payments are made even if you are found to be at fault or negligent.
Running a restaurant is more complex than most industries. No matter where you’re located, a restaurant is a fast-paced business with lots going on behind the scenes. The most important feature of any restaurant insurance plan is that it will give you peace of mind. Once you’re insured, you can focus on your true passion: making amazing food for your customers to eat!
Contractor’s insurance is essential to cover medical bills, property damage and other issues that come up on a work site.
The first part of your policy is a Declarations Page. This is where you will find the basic information:
It’s important to review your Declarations Page to make sure it is accurate. Then you will find the Coverage Forms to your policy. Each one of these forms can be issued as a stand alone or combined with an additional property form. Common Forms may also be issued with other coverage as a part of a package policy deal.