Thousands of restaurants are hit with lawsuits ranging from $50,000 to several millions of dollars annually.
What would you do if you were hit with a liability suit for more than your current restaurant insurance covered?
Thankfully, here at InsuranceHub, we have experience helping to provide affordable:
- Catering Business Insurance
- Coffee Shop Insurance
- Mobile Food Truck Insurance
- Restaurant Insurance – with Alcohol
- Restaurant Insurance – without Alcohol
- Concession stands insurance
Here are a few of the reasons why restaurants, catering businesses, coffee houses and mobile food trucks were sued each year:
- Slips and falls
- Food poisoning ie: Salmonella and E. coli
- Sexual harassment
- Food Allergies
- Non disclosure of ingredients or calories
- Wage Disputes
- Finding foreign objects in their food
Restaurant Insurance Information
Types of exposure that restaurants and food establishments need to protection from:
- Kitchen fires due to grease. Keep floors, food preparation areas and cooking areas free of grease.
- Have fire extinguishers on hand.
- Make sure that all grills and deep fat fryers have are working and operational automatic fire extinguishing protection, hoods and filters.
- Have vent hoods and filters cleaned and replaced regularly
Equipment breakdown exposures: If you have any of your refrigeration and cooking equipment go down then your customers will have to wait to long to eat. They may leave bad reviews on yelp or the urbanspoon and sites like these.
- Before hiring employees have their backgrounds checked before allowing them to handle money or use the cash register.
- Have video cameras to deter employee theft and hold ups
- Don't let cash accumulate in the cash drawers.
Inland marine exposures:
- Do you have paintings, artwork and statues on loan showcasing local artists?
- Keep copies of records of all book keeping and computer files off site
- Do you offer a coat checking service to your guests? Talk to your agent about a bailees rider.
Other food service & restaurant exposures
Premises liability exposures:
- Beware of slips resulting from spilled food and drink. Have them cleaned immediately.
- Keep bathroom floors clean. Put out "danger wet floor" signs as needed.
- List all food ingredients so customers with allergies can make informed decisions.
- Make sure all emergency lighting is operational.
- Clean all sidewalks and parking lots of ice, snow and debris
- Make sure exterior lighting is sufficient for people to make it safely to their cars
- Have you trained your employees how to deal with inebriated and disgruntled guests yet?
Products liability exposure: The biggest problems are due to to food poisoning and allergic reactions.
- Please post ingredients of every dish.
- Make sure all refrigeration equipment is operating at the correct temperature.
- Do not leave food sitting out on counter tops.
- Throw away food that has spoiled or is past the safe use date.
Liquor liability exposure:
- Train your employees to check photo ID on everyone before serving
- Train your employees to never serve alcohol to an intoxicated patron.
- Offer to call a taxi for your drinking guests.
- Do you offer valet parking services? Talk to your agent about getting a garage keepers policy.
- Do you outsource valet parking? Make sure they list you under "additional insureds".
- Do you have employees running errands in company vehicles? Please check DMV records first.
Workers compensation exposures:
- Strained backs and wrists from carrying heavy dishes from the kitchen to the customers tables.
- Teach your staff how to do this ergonomically.
- Clean up spills immediately to prevent slips and falls.
- ear direction will have the fewest injuries. Company incentives to encourage long-term employment are positive signs of management control.
Here is the minimum recommended restaurant insurance coverages:
- Business Owners policy
- Business Personal Property
- Employee Dishonesty
- Equipment Breakdown
- Money and Securities,
- Business Income with Extra Expense
- Valuable Papers and Records
- General Liability
- Employee Benefits Liability
- Commercial Umbrella Liability
- Hired and Nonownership Auto Liability
- Workers Compensation