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California Restaurants Are Filled With Risk

Do you own or manage a restaurant? Then you know that it is a great deal of work, but it can be very rewarding as well. There are risks that come with restaurants, and insurance is a good method of transfer. Here are a few common restaurant insurance issues you may want to better understand:

Liquor Liability

The single most important insurance coverage your restaurant or bar needs is Liquor Liability. Liquor Liability will defend you against charges, losses, and claims resulting from your negligence arising out of serving or selling alcohol. If your operation were found liable you could lose hundreds of thousands of dollars.

If you serve a customer alcohol and they are involved in an accident, the injured party and the person to whom you served the alcohol can file a claim against your business for damages.

Liquor Liability Insurance is available, but not always included, under Commercial General Liability policies. In fact, most standard liability policies exclude Liquor Liability. Liquor Liability can be purchased as an endorsement to your Commercial General Liability policy. If you serve or sell alcohol at your restaurant, bar, tavern, we recommend you add this coverage.

Food Poisoning

Food poisoning does occur infrequently, and it is not limited to restaurants that have poor hygiene standards or obtain their foods and ingredients from less-than-reputable sources. Guests can become sick from not only the food itself, but also the preparation and cooking methods

Employment Liability

Whether you are a large or small restaurant you know the employer – employee relationship has changed. In today’s world, employers can no longer assume all employment relationships will go smoothly. Finding a suitable Employment Practices Liability Insurance (EPLI) program has become one of the most important things owners and managers can do.

We have many more insurance products for restaurants and can create and deliver real solutions for you.

Our team is committed to providing our clients with the highest quality insurance services combined with the lowest rates available in your area. Our outstanding insurance agents will work with you one on one to ensure that you get a solution that is tailored specifically to meet your needs. 

Whether you are shopping for insurance, our highly experienced team of insurance agents can help you find the right coverage at the lowest rate no matter what your needs are.  

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