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How To Protect Your Restaurant From Liability Claims

Houston is home to thousands of restaurants, cafes, delis, and gourmet dining establishments of all different styles and cuisines. While they may serve vastly different dishes and customer bases, they all face similar challenges. For example, restaurants face higher numbers of business liability claims than some other industries, which can impact their financial health and business future. In today's blog post, we look at four ways restaurant owners can help protect their businesses from devastating liability claims, and preserve their immediate and long-term future.

Thorough Safety Training

When restaurant employees get thorough and regular training sessions, they are safer on the job and far less likely to be injured in the restaurant workplace. Restaurant safety training should include how to safely handle food, cookware, appliances, cutlery, machinery, and cleaning materials. This can help prevent kitchen accidents or injuries that hurt workers or customers. In addition, it is beneficial to have employees learn basic First Aid and CPR in the event an employee or customer needs immediate medical attention.

Safe Floors

One of the most dangerous areas of a restaurant is the restaurant floor. At any given time, customers and employees can slip and fall on water, grease splatters, spilled food or drinks, uneven flooring, or mats and rugs. Slips and falls can occur in kitchen, dining rooms, restrooms, entryways, and front walkways. Restaurants need to ensure that floors are constantly cleaned and free from any moisture, food, or debris that could become a slipping hazard.

Landscape and Security Lighting

Restaurants can have the safest interiors, but without proper exterior lighting, they could face liability claims from customers or employees because of incidents or accidents in parking lots and the surrounding property. For example, customers could trip and fall on sidewalks or parking areas if there is inadequate lighting in parking lots or parking garages. Additionally, a customer or employee could consider a liability claim if they are mugged or have their vehicle burglarized because of little to no security lighting. Restaurants should take proactive steps to ensure that their property is safe and secure, during the day or nighttime.

Workers Compensation Coverage

Finally, restaurant owners can go a long way in protecting their business and their employees by securing Workers Compensation coverage. Not only does it provide valuable financial assistance to cover medical expenses and lost wages for employees injured while on the job, it also prohibits liability claims by injured employees. This can help business stay afloat while also getting injured workers the help they need to fully recover and get back to work.

Restaurant ownership is a challenging but rewarding endeavor, but it is made much easier when there are steps in place to protect against business threats such as liability claims. Aegis Insurance & Financial Services is a proud supporter of the restaurant industry in the state of Texas, and offers a full range of top quality Commercial Insurance policies to help protect restaurants, bakeries, cafes, delis, and other fine dining establishments. Contact Aegis today at 713-850-7622 to learn more about our Restaurant Insurance coverage, or fill out our online request form to receive a free quote!

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