Restaurant Insurance provides liability insurance. Restaurant owners have a number of liability risks related to their type of business.
Some examples of the of liability coverage options that are available :
- General liability: This includes operations and premise liability. If a customer is injured in your restaurant or parking lot and it can be shown that you are responsible due to negligence in upkeep, poorly placed objects or the actions of one of your employees, you may be responsible for extensive medical bills. General liability insurance is designed to provide coverage for medical costs and damages.
- Product liability: As a restaurant owner, your product is the food you serve. If customers become sickened by food poisoning or other food-borne illnesses, such as hepatitis or salmonella, and it can be proven that this occurred because of food served in your restaurant, you may find yourself sued for medical costs and punitive damages. Product liability insurance will shield you from the high costs associated with such a lawsuit.