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The Business Insurance Policies Every Restaurant Needs

You've worked hard, hustled, and saved up to finally start your own restaurant – but opening your doors is only part of the process. Not only do you need to work just as hard to make it a success in your community, but you've also got to take steps to protect your important investment.

This is where Business Insurance can help, by protecting your building, your equipment and property, your employees, and your customers. Discover the different types of business insurance policies a restaurant owner needs before serving their first customer, and how Aegis Insurance & Financial Services is ready to help.

– General Liability Insurance: The First Layer of Protection

If a guest slips on your wet floor, there's a good chance your restaurant may face a lawsuit claim. That's where General Liability insurance swoops in to save the day.

What it Covers: General Liability insurance covers bodily injury and property damage claims that could arise on your premises. It shields your business from covering these costs out-of-pocket, allowing you to focus on running your business.

– Commercial Property Insurance: Safeguard Your Building

Your restaurant is a place to cook amazing dishes and dazzle customers, but it's also an investment. Commercial Property insurance protects every part of your restaurant building and its contents, including the exterior and interior structure, equipment, furniture, fixtures, and inventory.

What it Covers: This policy protects you from the financial impact of property damage due to disasters like fire, theft, or vandalism. The policy can cover both property repair and replacement costs, enabling your restaurant to make a faster recovery.

– Liquor Liability Insurance: Essential Protection

If your restaurant serves alcohol, then you need the protection that comes from Liquor Liability Insurance. Without it, your restaurant could be held liable if a customer has too much to drink or causes damage and injury.

What it Covers: This policy shields your bar or restaurant from alcohol-related liabilities, such as fights, accidents, or overserving alcohol.

– Workers' Compensation Insurance: Supporting Your Staff

In any restaurant, there's always a risk of employee injuries like burns, cuts, slips, or equipment accidents. Workers' Compensation insurance takes care of your staff if they're injured on the job.

What it Covers: This policy covers medical expenses, lost wages, and legal fees for work-related injuries. It ensures your injured workers can focus on making a full recovery without your business having to cover the expenses.

– Business Interruption Insurance: Help During a Shutdown

Would your business be able to survive a temporary closure because of a fire or other natural disaster? Business Interruption Insurance helps ensure you can stay afloat even when you're forced to close temporarily.

What it Covers: The policy helps replace lost income and cover operating expenses, ensuring you have steady business finances during an unexpected downtime.

Aegis Insurance & Financial Services: Ready to Help

At Aegis Insurance & Financial Services, we understand the unique needs of restaurant owners. We can tailor a customized insurance solution for your restaurant, ensuring you're covered from every angle.

Connect with the Commercial Insurance team at Aegis to chat about securing your restaurant's future. Call us at 713-850-7622 to start a discussion, or fill out our online form to request a free quote!

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