Running a restaurant is not easy, we want to make restaurant insurance easy. At Anderson Insurance Group, we have seen every type of restaurant claim, kitchen fires, slip and falls, spoiled food, break and enters, employee injuries, and commercial auto accidents; we have seen it all. Our goal is to ensure your restaurant is safeguarded against these and other unexpected losses, so you can focus on delivering great food and service.
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
Imagine a fire starting in your kitchen, damaging your fryer, grill, and even causing smoke damage to the rest of your property—without proper coverage, this could be a devastating financial loss. 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
Not only do you rely on your restaurant for your livelihood, but so do your employees. Business Income and Extra Expense coverage will protect that income. 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
If your restaurant serves alcohol, having liquor liability insurance and a bond isn’t just a recommendation—it’s a legal requirement. 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
On one occasion, a restaurant owner received an email from a patron who became ill eating at their restaurant. We discussed how to best handle the situation, and fortunately, a claim never was filed, but what if it wasn't just a brief bout of food illness? 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. Don’t wait until it’s too late—contact Anderson Insurance Group today for a free quote and expert guidance on protecting your restaurant with the right coverage.
Anderson Insurance Group - 801-262-1551 - www.anderson.insure