Owning and managing a restaurant comes with its challenges, but getting the right restaurant insurance shouldn’t be one of them. At Anderson Insurance Group, we simplify the process to ensure your business is fully protected. We want to make sure you are protected against these and other types of losses.
Here’s a list of the most common restaurant insurance coverages and the risks they mitigate:
Key coverages include:
✅ General Liability
✅ Restaurant Equipment and Business Personal Property
✅ Workers’ Compensation
✅ Loss of Business Income
✅ Liquor Liability
✅ Food Spoilage
✅ Food Contamination
✅Commercial Auto
✅ General Liability
A few restaurant owners have called over the years with slip-and-fall accidents, which are unnerving to say the least. You just want to run your restaurant and now you have to deal with a patron who has fallen, not exactly what you signed up for. This is where you give us a call. Restaurant general liability insurance will transfer this risk to the insurance company, so you don’t have to worry about it. General Liability Insurance | Anderson Insurance Group
✅Restaurant Equipment and Business Personal Property
What if your fryer or grill catches the kitchen on fire, destroying your equipment and causing smoke damage to everything in the building? You are covered with BPP and restaurant equipment insurance. Make sure you have adequate limits for your kitchen equipment, food, furniture, and buildout so you can rest easy.
✅Workers’ Compensation
Restaurants are safe places to work, but accidents happen. We've seen chefs cut their hands, employees slip and fall, and the occasional burn. Workers’ compensation protects you and your employees when these accidents happen. Work comp will pay for the injury and any lost wages while the employee is getting back to the kitchen or dining room. Workers’ Compensation | Anderson Insurance Group
✅ Loss of Business Income
Your restaurant isn’t just your business—it’s a source of income for you and your employees. Protecting that income with the right insurance coverage is essential for long-term success. Ask about difference between 12 months and 18 months of coverage; you would be surprised what it costs and how long it takes to get re-established after a fire.
✅ Liquor Liability
In order to serve any type of alcohol, you will need liquor liability insurance and a bond. You will need to submit proof of liquor liability and the bond to the Utah Department of Alcoholic Beverage Services - Utah DABS - DABS for your permit to sell alcohol in your restaurant. Anderson Insurance Group can make sure you have all of the correct coverage and provide the necessary certificate of insurance.
✅Food Spoilage
A car hit the power box outside of our favorite Thai restaurant, cutting off the power for days. In this case, the insurance coverage paid $12,000 for all of the spoiled food. Does Restaurant Insurance Cover Spoiled Food? | Anderson Insurance Group
✅Food Contamination
A restaurant owner once faced a potential lawsuit when a customer claimed to have gotten sick from a meal. While no claim was filed, it highlighted the importance of food contamination insurance to cover unforeseen incidents. You don’t have 100% control over all of the food that comes into your restaurant and food contamination coverage will help protect you and pay for any illness or damages a patron may have.
✅Commercial Auto
A restaurant van is very convenient for your business; there are lots of things to pick up, and a van comes in handy for catering. Make sure you have proper limits for your commercial auto insurance. Smart restaurant owners let Door Dash and Grub Hub do the delivery and only use their restaurant vehicles for picking up supplies and catering.
Protect your company, your employees, and your clients with comprehensive restaurant insurance from Anderson Insurance Group. Get in touch with us today to receive a free, no-obligation quote and start building a policy that fits your needs.
Anderson Insurance Group - 801-262-1551 - www.anderson.insure