As a restaurant owner, you face unique liability risks every day. You may deal with risks such as fire hazards in the kitchen, food poisoning or food allergies, choking injuries, slips and falls, or damage or injuries caused by intoxicated or otherwise unruly patrons. Even though you and your employees likely take all the steps to keep yourselves, your customers, and your restaurant safe, accidents and incidents can still occur. To protect yourself and your business against these everyday risks, you need the right restaurant insurance. Having strong insurance can help you in the event of an accident, and can help you prevent costly claims and other complications that could hurt your business.
General Liability Insurance: General liability insurance will protect you from bodily injury and property damage coverage. This is the most common type of contractor coverage.
Commercial Auto Insurance: This is coverage for your vehicle. If you’re using your pickup truck for work-related purposes, you need to have a special policy for commercial use.
Commercial property insurance: Commercial property insurance protects commercial property from perils such as fire, theft and natural disaster.
Workers’ Compensation: This coverage is regulated by the state. If you run a business by yourself, you don’t necessarily need workers’ comp insurance. The coverage protects your workers from work-related injuries until they can get back to work.
Summary: As one of the nation’s leading insurance agencies, Modern Insurance Partners offers robust, unique restaurant insurance to meet your needs, and we’ll protect your business so you don’t have to.