Insurance is important for any kind of business, but it is especially important if you have a restaurant business. There are a number of things that can go wrong, such as employee injury, fires, spoiled food and customer injury. Here are some insurance options generally offered with fine dining insurance.
You can get a business owners policy, which combines different types of insurance coverage that you may find beneficial for your restaurant business. This can cover incidences such as restaurant repairs, robbery or damages to the building. If your restaurant offers catering or delivery, you may also want to consider getting commercial auto coverage, as well. This is because personal auto insurance will not cover damages to the vehicle during operation for businesses.
Workers compensation insurance is another thing you will want to have included in your fine dining insurance package. There are many accidents that can happen and hurt your workers, including burns, cuts and falls. You don’t want to be held financially responsible for paying your employees while they recover as well as paying to put them through programs to help them rehabilitate and join the workforce again. Excess liability is another policy you may want to consider, in case a customer gets seriously injured while at your restaurant. This is an affordable option that will save you a lot of money if needed.