Builders Risk - Dunham Insurance

Restaurant Insurance

Being in the restaurant business can be tough, and unexpected things happen all the time. Therefore, it would be best to take precautions to protect your restaurant, including getting food liability insurance.

However, the process of getting insurance for restaurants can be arduous and time-consuming, which is why you need a reliable insurance provider to help you out.

At Dunham Insurance, we’re committed to understanding your unique needs as a business so we can offer the best type of coverage for your restaurant.

With our services, you can rest assured that whatever food liability insurance program you choose, it’s tailored to fit your unique needs as a business.

What Kind of Insurance Does a Restaurant Need?

Several types of food insurance coverages are available, which can make it tricky to decide which kind you should get. Nonetheless, in general, restaurants need the following types of insurances:

  • General Liability
  • Business Interruption
  • Commercial Property Insurance
  • Workers’ Compensation
  • Liquor Liability

However, you should note that it can be costly to avail of separate policies, which is why we recommend getting a Business Owners insurance policy if you’re in the restaurant business.

A BOP usually includes the top three types of coverages needed for restaurants: general liability, business interruption, and commercial property insurance.

However, should you wish to add more policies for your restaurant, we can also customize your plan, so it includes everything you need to ensure complete protection for your business.

Why You Need Restaurant Business Insurance

Getting an insurance policy for small business restaurants can be undoubtedly costly, so why avail of one at all?

  • Bounce back from kitchen mishaps

With the open flames, tight space, and rushing workers, it’s no secret that restaurant kitchens are chaotic and a disaster waiting to happen. This is why having a restaurant liability insurance policy is crucial.

It can help your business bounce back in case disasters happen, such as unexpected fires and destroyed equipment. With an insurance policy, not only would you be reimbursed for the damages incurred, but you can also cover your bills while your business recovers.

  • Protection from unexpected events on your business’s property

While it’s good always to be careful, spills and other food-related mishaps are common when you’re running a busy restaurant. However, these accidents may lead to legal action against your business, mainly if it results in bodily injuries to your customers.

With a comprehensive food service insurance policy, you won’t have to worry about paying for their medical bills out-of-pocket; your insurance can handle that. This can even prevent it from turning into a significant lawsuit that can cost your business thousands and even millions.

  • Provide enough compensation for injured employees

Many businesses are required to have a policy for workers’ compensation. This is to ensure employees are compensated in case they suffer from injuries while on the job.

With restaurant insurance, your employees can rest assured that their medical bills are covered, and they won’t lose income while recovering. It also protects you from potential legal action over work conditions, making it a win-win situation for both parties.

At Dunham Insurance, we understand that every business has different needs, including restaurants. This is why we ensure our policies are custom-tailored to fit your business needs and align with your business goals.

Like you, our goal is our clients’ 100% satisfaction, which is why our insurance policies are designed with your needs in mind. With our help, you can just worry about running your business and leave the rest to us.

Give us a call!

  • 954-564-7772

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