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How to Insure Your California Restaurant
Running a restaurant can be tough, but rewarding at the same time. Your restaurant is a meeting place for friends and family, and you have regular customers that are the keys to your success. But there are risks in running a restaurant, and you need the right restaurant insurance to respond to your risks.
California Restaurant Insurance
To protect your restaurant, you should have the following kinds of restaurant insurance:
- Property insurance - Covering the value of your building and contents.
- Liquor liability - This helps protect you if a customer has too much to drink and drives and hurts themselves or someone else.
- General liability - It protects you in the event someone slips and falls in your restaurant or you cause injury to someone.
- Worker’s Compensation- Covers injury to employees.
- Business income - If you have a loss and can’t operate, this insurance provides replacement income for period of time.
- Food spoilage – Covers the cost of food that may be lost if freezers go down. This usually can be added to a boiler and machinery policy.
- Employment practices liability - Protects against wrongful employment practices including wrongful termination, discrimination and sexual harassment.
- Cyber liability - A newer kind of insurance that offers liability insurance for damages arising from a failure of computer security or a wrongful release of private information.
- Food borne illness coverage - This coverage insures against a customer becoming ill due to your food, or how it was prepared.
The restaurant business is a very competitive and complex business that comes with uncommon exposure risks. Restaurant insurance can help protect against many liabilities and we are ready to help you.
If you are not currently a Leap / Carpenter / Kemps customer, we invite you to talk to one of your many neighbors who are, to see if it might be time for you to change the way that you buy insurance. Let us provide you with a free analysis of your insurance coverage to help you determine if you have the right policies at the right cost. We are here to help!