Restaurants and Bars
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Restaurant & Bar Insurance
All businesses owners need commercial insurance coverage to protect themselves, their company, business assets, and their employees. However, some companies and industries need a wider range of insurance coverage due to higher rates of incidents and claims, or greater risks involved with day-to-day operations. Restaurants and the service industry have very unique insurance needs that must be understood and covered to make sure a simple unforeseen event doesn't force closure or even worse, shut down. Why do Restaurants face higher insurance risks, and how can restaurants better protect themselves from liability claims.
Workplace Accidents are Higher Risk
Restaurant owners face higher insurance risks because of the greater likelihood for workplace accidents. Restaurant employees can be injured often from slips, falls, cuts, burns and other injuries which can occur anywhere on the property. The increased risk of employee worker compensation claims can lead to higher insurance costs. Remember, there are ways restaurants can reduce their risk. One important step is having all employee’s complete restaurant training courses for kitchen and workplace safety. This type of training and education can be tailored to your business and can include basic safety strategies, major accident response, kitchen fires, customer emergencies, and depending on the location contain earthquake and severe weather scenario training. Even when we take all the steps necessary to protect our employees and customers, accidents and mishaps can happen. If you are continuing to see your annual rates increase, have a high EMR (experience modification rating) are have been forced to move your workers comp to a PEO, give us a call because we can help.
What type of Businesses we can help:
Restaurants
Food Catering
Food Trucks
Lounges | Bars
Night Clubs