Restaurant Insurance (or Bar Insurance) can protect you against property damage, possible food poisoning, liquor liability or client injuries.
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What is Restaurant Insurance ?
Running a restaurant, diner, pub or nightclub is hard work!
You probably put a lot of thought into your decorations, food and drinks menu, finding the best suppliers and ingredients.
Regardless of the care and attention you put into it, there is always the risk a customer could get sick or have an allergic reaction due to the food, get intoxicated with alcohol or even injure themselves falling down the stairs to the washrooms in the basement.
Getting Restaurant Insurance, (aka. Food Service Insurance) can protect you against possible client lawsuits in case such events happen.
Who needs Restaurant Insurance?
If you serve and sell any form of food or drink, you should consider restaurant insurance coverage. The following businesses typically need coverage:
- Cafeterias and Coffee Shops
- Food Trucks
- Night clubs
What is the cost of Restaurant Insurance?
Restaurant Insurance premiums can vary according to factors such as:
- Experience in the restaurant or food industry
- Date of construction and type of premises
- Fire protection devices
- Seating capacity
- Previous insurance claims
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Common scenarios where Restaurant Insurance is useful:
A client visits your restaurant and injures their hand when sitting down and their chair breaks.
A client has had too many drinks and drives home. He gets into a car crash injuring himself and others.
A client orders a salad with Romaine lettuce and gets sick with E. coli. Even if you bought the lettuce from a 3rd party you can still be liable.
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Zensurance has been the easiest company I’ve ever received insurance from. Simple, painless and responsive, look no further than Zensurance for your company’s insurance needs.
The Zensurance team was responsive, professional, and knowledgeable. Zensurance knew exactly what we were asking for after a few minutes on the phone. I would highly recommend them for liability insurance especially if you’re not sure what you need to protect your business.
The Zensurance transparent customer experience helped me identify and hedge dynamic operating risks.
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