A California Business Insurance Update
If you own a restaurant, it will be important to have the proper restaurant insurance to keep your restaurant open should the unthinkable happen. If your restaurant, bakery, catering service, or tavern is going to have staying power, you have to build a plan for managing potential risks and pitfalls, and that plan includes insurance.
Restaurants have a unique set of problems that are different from other businesses. Not only do restaurant owners need general liability insurance and workers’ compensation insurance, they must also have property coverage, food contamination coverage, employment practices liability insurance, liquor liability coverage, loss of income, and food spoilage coverage.
Good liability risk management can reduce the chances that your business will be sued, but it can never eliminate the risk entirely. You, or a member of your organization, can make a mistake that injures someone or damages property. Your mistake could harm the reputation of, or interfere with the privacy of, a customer, client, competitor, or member of the public. When such injuries occur, you may be legally liable to pay damages to someone who suffers a loss due to your actions or inaction.
To protect your restaurant, you should consider the following kinds of insurance:
Robert Bell Insurance Brokers offers the business insurance products you need. Our professional agents will consult with you on the coverage and premiums that meet your specific needs. Feel free to get in touch or get a quote today.
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