What Does Restaurant Insurance Cover?

food service insurance

If you have a restaurant, you probably want to make sure that your restaurant premises, the quality food products that you serve as well as the safety of your employees and your guests are protected with insurance coverage. While many restaurants choose to get only a general liability food service insurance Colorado policy, that will cover you only in case of third-party claims, so here are some other policies that your restaurant will need as well:

-         Product liability insurance – this type of policy will protect you in case the food you serve makes someone ill;

-         Liquor liability insurance – this type of policy will protect you in case someone who is served alcoholic beverages in your restaurant and is under the influence of those beverages causes any kind of bodily harm or property damage to others;

-         Commercial auto insurance – you probably have at least one vehicle that you use for your business operations, such as for purchasing the ingredients you prepare your dishes from. You need a commercial auto insurance policy for your commercial vehicles to provide you coverage not only for the issues typically covered by personal auto insurance policies, but also for issues that are specific to your business operations.

First Posted here: What Does Restaurant Insurance Cover?

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