Every restaurant owner has heard the statistics about how tough it is to survive and thrive in the business, but getting adequate insurance at least gives you a fighting chance by mitigating some of the risks.
It’s well worth considering a custom-built restaurant insurance policy, as this will not only make life simpler but may even cover some risks you hadn’t considered. For example, you’ll usually want to cover risks to property, such as the building and equipment, along with liability to customers and staff.
Remember, there’s an important difference between general liability (such as a customer slipping on a spilled drink) and professional liability (such as a bout of food poisoning from bad food or inadequate preparation).
Other elements that are easy to overlook include the risks of fraud and data theft that come with handling cash and card payments, the risks of spoiled food you have to throw away if there’s a power outage or refrigeration failure, and the risk of lost business if you close for repairs after a fire.
At United, you don’t only get a policy, but you get knowledge, coverage analysis, claims review, contract review and much more.
Unisure Insurance Services has created a special property/casualty insurance program for restaurants. This program is available through many A.M. Best rate “A” or better insurance companies. Unisure Insurance Services is able to offer quality insurance protection with competitive, stable pricing. Restaurants can save up to 29% of their current pricings.
Protect your restaurant business by contacting us today.
- Family Style
- Upscale Fine Dining
- Fast Food
- Bagel Shops
- Donut Shops
- The United’s Restaurant Insurance Program is available for a wide range of business insurance including auto, crime, equipment failure, general liability, liquor, property and umbrella. Key coverages include:
- Coat check
- Business income on dependent property
- Business income on food-borne illness/Food Contamination
- Food spoilage
- Off-premises Power/Utilities failure
- Water & sewer backup
- Employment Practices Liability
- Liquor Liability