GET CUSTOMIZED RESTAURANT INSURANCE YOU NEED FOR YOUR FOOD SERVICE BUSINESS
WHY DO FOOD AND BEVERAGE BUSINESS OWNERS NEED
BUSINESS INSURANCE?
Food service business insurance offers you protection from a wide range of unexpected events and accidents, including:
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A customer slipping and falling on a wet floor
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An employee who is injured on the job
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Damage equipment
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Spoiled inventory
We know there are hundreds of things to keep track of when you run a food service business, so we’ve curated helpful checklists and tips for restaurant owners to protect and grow your food business.
We’ve also designed insurance policies to take some of those worries off your plate.
Having the right types of insurance for your food service business means that you don’t have to pay out of pocket if an accident does occur. You can run your business and keep your customers happy without worrying about those pesky “what if” scenarios.
Food service general liability insurance offers broad protection that can help cover expenses if a customer gets hurt at your business, if someone claims you caused food poisoning or if someone says your marketing efforts were misleading or slanderous.
That’s why general liability is usually the first type of insurance food and beverage business owners buy.
For example, if two of your servers collide and spill food and coffee on customers, ruining their laptop, liability can cover a replacement and protect you if the customer files a claim.
Or if one of your chefs doesn’t follow protocol for cooking chicken and, as a result, customers get salmonella food poisoning and are hospitalized, your business could be held liable for the medical expenses.
HOW FOOD SERVICE
LIABILITY INSURANCE PROTECTS YOUR BUSINESS
HOW MUCH DOES
FOOD AND BEVERAGE
INSURANCE COST?
You can save up to 25% in discounts when you buy food and beverage business insurance with NEXT. The exact amount you pay will depend on:
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The type of food service business you operate
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Where your business is located
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Your payroll and the kinds of jobs your employees do
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The number and types of vehicles you use at work
OTHER IMPORTANT BUSINESS INSURANCE COVERAGE FOR RESTAURANT OWNERS
Liability insurance is a good start to making sure you’re covered but you can also customize your business insurance to protect your business property, your employees and your vehicles.
WORKERS' COMPENSATION FOR RESTAURANT
Workplace injuries happen more frequently than you might think, especially when you’re working in the fast-paced food service industry.
Workers’ comp can help pay for medical bills after a workplace injury or illness. It can also help to cover lost wages while the employee is recovering.
You can also add owner’s coverage to your policy to protect yourself. This coverage is required for businesses with employees in every state except Texas.
COMMERCIAL AUTO INSURANCE FOR RESTAURANT
You’ll need commercial auto insurance in most states if you have vehicles that are titled to your business. It can also protect your personal vehicle if you use it for business purposes, such as deliveries and transporting catering equipment.
Commercial auto coverage can help pay for expenses after an accident and repair costs if your work vehicle is damaged.
COMMERCIAL PROPERTY INSURANCE FOR RESTAURANTS
Restaurant owners can buy property insurance to help protect business equipment, inventory, furniture and the commercial structures they own.
Property insurance can help cover costs if your business property is damaged due to a covered event, such as a burst water pipe or fire.
It can also help to replace inventory, such as spoiled food after a power outage.
EMPLOYMENT PRACTICES LIABILITY (EPLI) FOR RESTAURANTS
Employment practices liability insurance (EPLI) can help pay for legal fees if you or someone at your business is accused of Americans with Disabilities Act (ADA) violations, sexual harassment, discrimination or wrongful termination. EPLI is included in the Pro or Pro Plus version of general liability insurance for restaurants.