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Types of Coverage Available

There are several types of liability insurance policies that restaurant owners should consider:

• General Liability Insurance: Covers legal fees and damages related to third-party bodily injuries and property damage that occur on your premises.
• Product Liability Insurance: Protects against claims related to foodborne illnesses or allergic reactions caused by food served at your restaurant.
• Liquor Liability Insurance: If your restaurant serves alcohol, this coverage is essential to protect against claims related to alcohol-related incidents.
• Workers' Compensation Insurance: While not a liability insurance per se, it is crucial for covering employee injuries and illnesses that occur as a result of their work.