Business owners have an obligation to provide reasonable protections and support for their staff members. Workers’ compensation insurance is designed to protect your employees and your restaurant after work-related accidents. Tabak Insurance offers workers’ compensation coverage as part of our restaurant insurance packages. Here are the benefits of purchasing a workers’ compensation policy for your restaurant:
Covers Medical Expenses
Accidents while preparing and serving food are a potential hazard for restaurant employees. Examples of these accidents include slips and falls in the kitchen or dining areas, burns from stoves and hot food, cuts from knives, muscle strains from carrying crates, equipment malfunctions, and illness. Workers’ compensation provides financial compensation for employees who are harmed or get sick on the job. This compensation includes:
- Medical expenses: Workers’ compensation offers financial assistance for related medical fees. This includes hospitalization and diagnostic testing fees. It also covers future treatments and appointments related to the accident.
- Disability pay: Disability pay covers lost wages while the injured employee is unable to return to work. The amount of disability pay varies depending on state laws and the policy coverage. It also depends on the severity of the employee’s injuries.
Workers’ compensation is designed to help employees meet their normal financial obligations and focus on their recovery. Tabak Insurance offers several restaurant insurance packages that include employee coverage. Our team will help you find a workers’ compensation policy that covers your employees and fits your budget.
Fulfills Legal Requirements
Depending on state laws and the number of employees you have, your restaurant may be required to carry workers’ compensation insurance. Having a workers’ compensation policy keeps your business compliant, which helps protect your business from the legal consequences of non-compliance. Tabak Insurance can help you determine if you are legally obligated to carry workers’ compensation. Your company size, number of sales, previous claims, and other factors impact insurance policy costs. Our team will inform you of the policy requirements and premiums so you can select a policy that is affordable and fulfills state requirements.
Helps With Employee Retention
Having a workers’ compensation policy in place may benefit employee retention and the growth of your business. Purchasing a workers’ compensation policy shows that you are invested in the well-being of your employees, which is a selling point that could attract talented staff members to your restaurant. Tabak Insurance has over 25 years of experience in the restaurant and bar industry, giving us the expertise to inform you of your coverage options and obligations to your employees.
Protects You From Lawsuits
Workers’ compensation laws are made to support working citizens and protect businesses from litigation risks. A workers’ compensation policy protects your restaurant from negligence lawsuits and covers employees’ medical needs, giving them less reason to sue. Employees do not have to prove fault to receive compensation for a workplace accident. When the employee decides to accept workers’ compensation, they are prevented from filing a personal injury lawsuit against the employer. This helps protect your restaurant’s finances and reputation from the damage a lawsuit can cause.
Restaurant Insurance at Tabak Insurance
Tabak Insurance works specifically with businesses in the hospitality industry, and we look for every possible opportunity to improve coverage and lower premium costs. We offer policies like general liability, liquor liability, property, directors and officers, and errors and omissions insurance for your bar or restaurant. If you are a business owner looking for restaurant insurance, fill out our online questionnaire today. We will provide you with a personalized quote and get you insured in 24 hours or less. If you have any questions about our insurance policies or packages, call our experienced team today.
