The number of potential restaurant accidents can be overwhelming for a business owner. Between a fast-paced front and back-of-house, hot foods moving around rapidly, and a kitchen full of complex and dangerous equipment, you need to be protected if something unexpected does occur. Restaurant liability insurance is simply essential for a proactive business owner.
What Is Liability Insurance?
Restaurant liability insurance covers the wide variety of claims that can arise from a restaurant accident — ranging from claims filed after falling on a slippery floor, to those following a physical altercation between customers, to alcohol-induced accidents, to claims arising from suspected food poising. Various types of liability insurance — including general liability, liquor liability, and others — will protect your establishment from costly claims.
Why Is It Necessary?
Margins are often tight in the restaurant business, and revenue can be highly seasonal, so facing a claim for which you are unprepared can be fiscally devastating. Moreover, the bustling atmosphere of a restaurant makes accidents an unfortunate, if not entirely uncommon, possibility.
Reputable companies offering restaurant liability insurance know the hospitality industry, common types of accidents, and how to negotiate in the event of a claim or lawsuit threat — offering you valuable peace of mind.
With the potential for a restaurant accident hanging over your head, you simply cannot afford to be without a comprehensive policy of liability insurance.