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by Michelle Ferris on Dec 20, 2015

Avoid Financial Disaster with the Right Restaurant Insurance Quote

Trying to sneak by without restaurant insurance exposes your establishment to grave risks. Can you really afford not to have adequate restaurant insurance? You never know when an accident will strike, or when an employee will get hurt. Not having the right restaurant insurance can cost you and your family your restaurant as well as your home, savings, retirement, the education of your children, and everything else you’ve worked so hard to achieve.

What if...

  • Your chef misses an ingredient on the menu and your customer, who has a severe allergy to nuts, has to go to the hospital?
  • You come to work to find your restaurant robbed. The desk has been rifled through, and files are missing. Business checks, personnel files, and business contacts… All gone. Now what?
  • A customer breaks their tooth on something that worked its way into one of your restaurant’s appetizers. Are you liable?
  • One of your line cooks needs surgery and months of physical therapy to correct their tendinitis.
  • You arrive at work to find that all the expensive kitchen equipment has been stolen.
  • One of your waiters is talking to a friend, and a client overhears them calling your competitor an “idiot,” joking that they have been known to date underage girls. Your competitor promptly sues you for defamation.
  • A customer slips on a freshly washed floor and breaks her ankle.
  • One of your employees has been stealing restaurant supplies.

Unfortunately, bad things happen to even the most conscientious restaurant owners. That’s why restaurant insurance is here to protect you. Getting restaurant insurance isn’t just the responsible thing to do. Getting insurance is what earns you your peace of mind.

Many restaurant owners pay too little and end up with restaurant insurance that isn’t adequate. A whole other set of restaurant owners pay too much on their insurance. The best way to avoid either group and end up with the insurance you need is by talking to an independent restaurant insurance agent. They can put together a professional, no-obligation restaurant insurance quote for you.

Risks to Your Restaurant

You never know when things like fires, flooding, lawsuits, accidents, food-borne illness, theft, or loss of records will stop your restaurant in it’s tracks. But it’s key that you protect it for when things like this DO happen. It’s better to be prepared than to be pummeled by large bills afterwards.

With all the things to keep track of with your restaurant, you shouldn’t have to add the worry of “What If…” With the right coverage, you can sleep easy knowing you’re protected.

If something happens...

Do you have the right restaurant insurance coverage, at the right amounts, to make sure you can reopen your restaurant to customers quickly? There are very important questions to ask of yourself and your insurance agent:

  • Do I have workers’ compensation insurance or disability insurance?
  • If a natural disaster were to strike my business, will I be able to set up and continue operations in another location?
  • Do I have coverage for income loss if my restaurant is unexpectedly closed?
  • If my grocery supplier has problems delivering, and as a result, my restaurant can’t prepare a large portion of the menu, do I have coverage for the interruption of business?
  • If my restaurant goes up in flames, do I have enough insurance to demolition AND completely rebuild, refurnish and restock my restaurant?
  • Will my restaurant insurance cover the revenues I’ll lose?
  • Does my restaurant insurance help me pay bills if my usual revenue stream is gone?
  • Will restaurant insurance reimburse me for the expenses I incur in getting my restaurant back up to speed?
  • If complaints about food poisoning start coming in, will my insurance protect me? Was it an ingredient? Maybe the problem came from the supplier? Was it the storage? Was it hygeine? Was it prepared improperly? How long will I have to be shut down, and how much will spoil, before I can open my doors to business again? What happens in the meantime?
  • Do I have Commercial Auto Insurance Coverage on my delivery vehicles?
  • What if our computers get a bug and our customer lists, special event contacts, or table reservations are lost?
  • Can the information be recovered, and will restaurant insurance cover the cost to do so?
  • If one of my employees gets hurt, do I have disability coverage to pay part of their salary if they can no longer work?
  • Am I protected from claims or actions taken in conjunction with my website?
  • What happens if the losses from a claim go over my policy limits? Should I get umbrella insurance to protect me?
  • If my employee sues me for discrimination, will I be covered? Does my Employee Practices Liability Insurance (EPLI) cover it?

Restaurant insurance is all about the worst-case scenarios. You need to be prepared for problems of every size, so that if something happens, you, your restaurant, and your employees won’t be left out to dry.

Anything less than full Restaurant Insurance is inadequate protection

Consult with a knowledgeable restaurant insurance agent before purchasing a restaurant insurance quote. If you are just launching your restaurant, make sure you have adequate coverage before you open your doors. And don’t fall into the trap of getting too comfortable.

Many restaurant owners purchase their restaurant insurance quote and never look at it again. This is dangerous - if details of your restaurant change, your restaurant insurance policy needs to reflect the changes so that, in case something happens, your claim won’t be denied.

Set a date on your calendar a couple months before your renewal to review your policy with your restaurant insurance agent.


© 2018, PLC Insurance. The reader assumes all responsibilities for his/her own actions in regards to any items discussed in this report. Adherence to all applicable laws and regulations, federal, state and local, governing the use of any product or service described in this report in the US or any other jurisdiction is the sole responsibility of the reader. The publisher and author assume no responsibility or liability whatsoever on the behalf of the reader of these materials. The reader is encouraged to consult directly with his/her insurance professional.

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