Restaurant and Bar Liability

Restaurant and bar liability insurance can be quite complicated. With employees, patrons, and the presence of alcohol, the potential liabilities are numerous, and the infrastructure required to run a successful establishment means there is significant potential for property damage to be costly.

Restaurant and Bar Insurance

Each state has different requirements for restaurant and bar Insurance, but generally owners will need to consider the following types of coverage:

  1. Property Insurance will protect your building and equipment assets in the event of a fire or other damage-causing incident.
  2. General Liability protects restaurant and bar owners in the instance that a patron or employee gets hurt on the premises.  This kind of coverage is particularly important in establishments that serve alcohol. For information about umbrellas >
  3. Liquor Law Liability covers proprietors from being sued when an intoxicated patron hurts herself or others.  The percentage of your overall sales that are liquor as well as the number of patrons you typically serve will affect the cost of your Liquor Liability Insurance.
  4. Auto Liability insures any business vehicles used by the establishment. Personal auto insurance policies do not cover commercial vehicles so this insurance is required if your company owns a vehicle.
  5. Workers Compensation safeguards proprietors in the event that an employee is injured on the job. State laws vary greatly, so a local insurance agent is best equipped to help you ensure you’re appropriately covered.
  6. Employment Practices Liability  (EPLI) is increasingly common and protects business owners against employee claims such as sexual harassment and wrongful termination. This type of insurance may be particularly useful for businesses where employees have ready access to alcohol.

There are other, less common types of business or commercial insurance that restaurant and bar owners may want to consider, depending on the nature of their establishments. For example, owners may purchase theft or crime coverage to protect them from criminal acts of patrons or employees. Or, businesses with a historically rowdy crowd may want the more specific coverage offered by Assault and Battery Insurance to protect them in the incidence of violence on their premises.

As owner, only you know the specifics of your business. How many people you serve, what percentage of your total sales is made up by alcohol, and the replacement value of your building and equipment are all factors to consider when crafting a comprehensive insurance policy to cover your business. Furthermore, each state has specific requirements for restaurant and bar insurance.

With all of the factors affecting your policy, you would be wise to engage an expert to help you determine what types and amounts of coverage are right for your business. A local insurance agent, with community experience and knowledge of applicable state laws, is best equipped to provide you with the expertise you need. Contact a local agent today so you can rest assured that you’re properly protecting your business.

Fast Food to Fine Dining

Whether their most popular dish is a cheeseburger and fries, or they keep customers coming back with their succulent filet mignon, restaurants ranging from fine dining to fast food all value reliable commercial insurance coverage. To ensure that their business will be safeguarded from risks as a result of an unanticipated loss or liability, they should contact a local independent insurance agent to learn more about supplementing existing restaurant commercial insurance coverage, or purchasing a policy for the first time.

Like other businesses, restaurants face certain risks. In addition to property insurance for the restaurant building itself, they may need coverage for kitchen equipment, fixtures in the dining room, and inventory stored on site. Depending on factors like an establishment’s location, the kind of foods served, and the hours of operation, certain dining establishments may also wish to have coverage for personal property and boiler and machinery breakdown, or builders risk coverage, in case they decide to add-on or remodel their restaurant. An independent insurance agent will review the options, such as liquor liability insurance, for commercial insurance available to restaurant owners and assist them in choosing a personalized policy.

By connecting with a seasoned local independent insurance agent, owners of fine dining, fast food, and other varieties of restaurants can gain an understanding of the kinds of restaurant business insurance available, along with typical exclusions and limitations found in most policies. They can get answers to their questions about purchasing restaurant commercial insurance, and select the right policy to keep their establishment, and its property and finances, secure.

Fine Dining Restaurants

Fine Dining Liability InsuranceDespite the ambiance and exceptional cuisine they offer to customers, like other establishments in the business, fine dining restaurants face certain risks. An accident in the kitchen or dining room, property damage as a result of a storm, or theft of items from the restaurant’s coatroom, could lead to potential liability for a fine dining establishment. To keep their company, along with its property and finances, protected, owners of upscale restaurants need reliable restaurant business insurance coverage. They can purchase the right policy through a trusted local independent commercial insurance agent.

By arranging to meet with an independent insurance agent, familiar with the local restaurant industry and the concerns of fine dining establishment owners when it comes to commercial insurance coverage, owners can find commercial insurance to fit their business’s needs. An independent insurance agent will review various factors to assess the kinds of commercial coverage suited to a fine dining restaurant, such as the establishment’s reputation in the neighborhood, its interest in catering to repeat customers, and how long the restaurant has continuously operated in its current location.

An independent insurance agent will also ask questions about a fine dining restaurant’s food and beverage sales, including the percentage of their sales that are for liquor, and whether the establishment offers full bottle service other than for bottled wine. Other elements that will be considered by an independent insurance agent include whether a fine dining restaurant hosts live band entertainment, along with the crime score of the area in which the establishment is located.

Learn more about liquor legal liability >

Besides having property insurance for the restaurant building itself, fine dining establishment owners may want coverage for the personal property of others, fixtures in the restaurant, or improvements and betterments on the premises. Many fine dining restaurants require legal liability coverage, along with equipment breakdown protection insurance, in case the boiler or furnace in the restaurant fails to work properly. With the help of an experienced independent insurance agent, owners of fine dining restaurants can review their company’s commercial insurance requirements, and select a policy that provides the proper coverage.

By connecting with a local independent insurance agent, fine dining restaurant owners can gain an understanding of the options for coverage suited to their business, and typical exclusions and limitations found in most commercial insurance policies. They can get answers to their questions about supplementing existing restaurant business insurance, or buying a policy for the first time. A local independent insurance agent will guide them in choosing quality commercial insurance to keep their restaurant, along with its property and assets, secure.

Deli and Sandwich Shop Business Insurance

Sub shops are popular with the lunch crowd, people on the go, and sports teams. But, there are few who can resist a delicious, freshly prepared sub sandwich or wrap. While sub shops are a beloved staple of the restaurant scene, like other dining establishments, they face certain risks in the course of their business operations. In the event of an accident or theft on the premises, property damage, or destruction of a fixture in the sub shop’s dining room, owners of sub shops need to have a reliable commercial insurance policy in place. With adequate commercial insurance coverage, they can make sure that their fast food restaurant, and its property and assets, are protected.

Depending on factors like a sub shop’s location and size, and equipment used at the establishment, different shops require different kinds of business insurance. In addition to building coverage for a sub shop restaurant’s facilities, many establishments will want personal property coverage, equipment breakdown protection, and workers’ compensation insurance for their employees. An experienced independent insurance agent will guide sub shop owners through the process of reviewing the available options for commercial insurance coverage so that they can select a policy tailored to their needs.

In meeting with sub shop owners, an independent insurance agent will assess various factors to determine the right coverage for a particular business. An independent insurance agent will ask about food and beverage sales at the restaurant, how long the sub shop has operated out of the same location and under the same ownership, and if there are any seasonal risks associated with the sub shop’s business. Additionally, an independent insurance agent will evaluate factors like whether a sub shop is open late at night, if it is located in a high crime neighborhood, and whether the owner has at least three years of experience in serving as a general manager or owner of a similar fast food restaurant.

Depending on a sub shop’s requirements when it comes to restaurant insurance, a local independent insurance agent will assist sub shop owners in modifying or supplementing existing coverage, or in buying commercial insurance for the first time. By explaining the typical exclusions and limitations included in most policies, and assessing a particular sub shop’s concerns when it comes to coverage, an independent insurance agent will help them purchase quality commercial insurance. With the guidance of an independent insurance agent, owners can purchase the right commercial restaurant insurance for their establishment, so that in case of an unexpected loss or liability, their sub shop is safeguarded.

Other Enhanced Insurance articles related to Restaurant Insurance:

What Kind of Insurance Does a Restaurant Need

Liquor Liability Insurance

Enhanced Insurance is not written by attorneys. If you’re looking for legal advice, you need to contact a lawyer. Further, insurance practices and forms change constantly and are varied from state to state. For definitive answers in your area, contact a local agent.

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