Whether you own a restaurant or are thinking about starting up a restaurant business, the number one thing you are going to need is insurance. There are many problems that may arise when you are owning a restaurant such as customers becoming sick after they leave, slip-and-falls, and equipment failure. It is essential to have the proper insurance to prevent you and your business from being liable for these accidents.
Here a few things to keep in mind when you are owning a restaurant:
General Liability: Liability insurance is a must-have when you are in the restaurant business. For instance, if someone becomes ill after eating at your restaurant, the liability insurance will cover you.
Liquor Liability: It is crucial to have a liquor license for every employee who serves alcoholic beverages at your establishment. This will cover your business if an intoxicated customer leaves your restaurant in a vehicle and could possibly cause harm to other drivers.
Workers Comp: Workers compensation is required by most states throughout the nation, where it protects you, the employer, if an employee suffers an injury during work.
Fire: Having fire insurance seems obvious when you are working in a restaurant establishment, however, almost half of all restaurants do not carry fire insurance. It is important to have fire insurance incase of an emergency.
For more information about insurance with your restaurant or to learn more about how we can support you, contact Brazelton Insurance Group today.