How To Make Sure Your Restaurant Is Properly Insured 

Restaurants often spend heavily on kitchen equipment, dining areas and electronics that could be damaged by fires, break-ins or floods. Additionally, businesses in this industry may need to account for other possible incidents, including those involving customers and other parties. Fortunately, the right business insurance for your restaurant may help cover unexpected losses and expenses. Here’s how you can make sure your business is properly insured.

Understanding Business Insurance Coverages

Here are several key types of insurance that many restaurants may consider:

• General liability insurance may help if a customer is injured at your restaurant or if you’re held responsible for other parties’ property damage.
• Property insurance may apply to damage to your building, equipment and inventory caused by fire, storms or vandalism, whether you own or lease the space.
• Workers’ compensation insurance is generally required for Georgia businesses with three or more employees and may help cover medical expenses and lost wages if an employee is injured on the job.
• Liquor liability insurance may help with claims arising from alcohol-related incidents if you serve such beverages.
• Business interruption insurance may replace lost income and cover ongoing expenses if a covered event forces you to close temporarily.

Common Risks in the Food Service Industry

Restaurants may face a range of risks, including:

• Slips, trips, and falls in dining or kitchen areas
• Kitchen fires or equipment malfunctions
• Foodborne illness claims
• Theft or vandalism
• Employee injuries

Having the right coverage can help your business recover quickly from these incidents and minimize financial losses.

Our Team Can Help

Tidwell and Hilburn Insurance, Inc. helps Macon, GA restaurant owners and managers find coverage that fits their needs. Contact us today to discuss your insurance options and get personalized guidance.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.