Published On: January 26, 2024

At Tabak Insurance, we offer several different types of restaurant insurance. These include general liability, property insurance, and workers’ compensation insurance. Here is more information on these types of insurance: 

General Liability Insurance

General liability insurance covers legal fees, medical expenses, and damages if your business is held responsible for bodily injuries or property damage. This insurance protects against common risks such as slip-and-fall accidents or food-related illnesses. General liability insurance provides a safety net that allows your restaurant to navigate expenses and compensation without jeopardizing its financial stability.

Property Insurance

Your restaurant’s physical assets, including the building and equipment, are significant components of your business that can be protected by property insurance. This type of insurance establishes that you are financially protected in case of damage or loss due to fire, theft, vandalism, or natural disasters. It can help cover the furniture, appliances, and other inventory needed for your restaurant. Property insurance allows you to focus on rebuilding and recovering after property damage without the burden of significant financial setbacks.

Worker’s Compensation Insurance

Accidents involving employees can happen, and workers’ compensation insurance is designed to cover medical expenses. This can also cover a portion of lost wages for employees who are injured or become ill while on the job. With injuries or illness on the job, you want to ensure your employees are taken care of, and that your business is protected. By providing this coverage, you fulfill legal obligations and also create a safer and more secure workplace for your staff.

Liquor Liability Insurance

If your restaurant serves alcohol, liquor liability insurance is beneficial to protect you from alcohol-related incidents. This coverage protects you from legal and financial repercussions in case a patron becomes intoxicated at your establishment and causes harm or injury to themselves or others. Having liquor liability insurance can be a responsible choice for any restaurant serving alcoholic beverages.

Business Owner’s Policy (BOP)

A Business Owner’s Policy (BOP) is a comprehensive package combining general liability and property insurance. It is designed specifically for small to mid-sized businesses. It offers a cost-effective solution that provides significant coverage. A BOP typically includes protection for property, liability, business interruption, and other key coverages. This policy simplifies the insurance process for restaurant owners, bundling some protections into a single package.

Errors and Omissions (E&O) Insurance

Errors and Omissions (E&O) insurance could apply to catering services or consulting. E&O insurance protects your restaurant from claims of negligence or failure to perform professional duties. It generally covers legal costs and settlements. This insurance can make sure that your business remains financially secure even if it faces allegations related to professional errors.

Restaurant Insurance 

At Tabak Insurance, we offer various insurances for restaurants that can help protect if issues arise. Some insurances you can get are errors and omissions, business owners’ policies, liquor liability, and workers’ compensation. Catering companies can benefit from E&O insurance, and restaurants serving alcohol should consider liquor liability. Our insurance agents at Tabak can help determine which insurance you need. Contact us today to learn more about the insurance that your restaurant can benefit from having.

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