Operating a restaurant is a tough business even if everything goes according to plan, but we all know that mishaps happen. Equipment can get damaged, property can be stolen, customers can get sick; the possibilities can be overwhelming to consider. As a restaurant owner, you want to focus on giving your customers great food and service; not on your insurance matters. Let one of our skilled agents handle your restaurant insurance so that you don’t have to.
Receive Protection With A Restaurant Insurance Policy
There’s a lot of restaurants in our communities, which means that there are a lot of insurance companies that insure restaurants. Every company has different rates for different types of restaurants, depending on size, revenue, employees, location, etc. The market is constantly changing so you want to make sure that you are getting the best deal for your money. Our agency has our hand on the pulse of the insurance market, so when fluctuations occur each year, we make sure that you are in the best place to be.
Coverage From Restaurant Insurance
The protection of employees, employer, the guests and the restaurant as a whole is important. In order to provide this protection, restaurant insurance is available. While these policies can vary depending on the need of your establishment, the policies generally carry the same protective areas. This policy is designed to give ultimate protection, and peace of mind. When restaurants don’t acquire insurance, they are leaving themselves exposed to many risks. Don’t stress over areas that can be protected, seek out coverage today.
Restaurant insurance offers coverage in these areas:
General Liability
Restaurants can be dangerous places. In order to protect against the various liability, most restaurant insurance policies will include a general liability portion. This portion of the policy will protect against property damage, bodily injury or personal injury. Cut down on the worry for liability, and protect with restaurant insurance.
Product Liability
When it comes to serving food, there’s always a chance that a customer can get sick. In order to protect against the backlash of this, product liability is put into restaurant insurance. This protects the restaurant from completely going under due to a customer getting sick, and allows for a better sense of security.
Liquor Liability
When alcohol comes into the picture in a restaurant, there are necessary precautions to take. While all restaurants serving alcohol require a liquor license, having liquor liability in place can greatly aid as well. This policy will help to cover restaurants if someone served alcohol in their restaurant causes property damage or bodily injury.
Commercial Auto Insurance
Any vehicles used for transporting restaurant deliveries, food, supplies or services are covered through a commercial auto insurance policy. This policy differs from a persona policy, in that it only applies when the vehicle is being used for business purposes. Individuals using their personal vehicle for business purposes should seek out further coverage through a commercial auto insurance policy.
Speak To Insurance Professionals
For restaurants that serve alcohol, the JMG Insurance Agency offers liquor liability insurance policies. This way, your restaurant can be protected against any fights or other altercations among patrons that may result in injuries. If a guest injures an employee in the establishment, they will also receive compensation from the liquor liability policy. JMG Insurance Agency is also the preferred agent of the Connecticut Restaurant Association, which only serves as a further testament to the work we do. If you’re ready to provide protection for your restaurant, call us today at 1-844-304-7332 or request a free quote online