Many people enjoy dining out with friends and family, making restaurants a good investment of time and money for business owners. Restaurant insurance in California keeps you protected from loss should an accident occur. No one wants to be faced with the possibility of losing their hard-earned clientele and business, so it is important to make insurance a priority item on your budget.

 

Risk Factors for Restaurants

 

When it comes to restaurants, there are many different risks that could be a potential loss for your company. Some of the most common incidents that befall restaurants include:

 

  • Food poisoning
  • Failed suppliers
  • Loss of income
  • Fire
  • Slips and falls
  • Downed utilities

 

When you purchase restaurant insurance in California, you receive coverage for these types of risks.

 

Coverage Options

 

Most restaurants require a specific coverage plan that meets the specific needs of the business. In general, many restaurants prefer to pay for the following types of coverages:

 

  • Property
  • Liability
  • Umbrella
  • Commercial Auto
  • Employee Benefits
  • Liquor Liability

 

An eating establishment requires specific types of coverage that are not needed in other industries. Food Contamination and Delivery Error coverage is beneficial to many restaurants and ensures coverage for the basic functioning capabilities of a restaurant.

 

Purchasing restaurant insurance in California is a good way to safeguard your business against the many risks that come with owning a dining company.