Restaurants are hospitality businesses with unique insurance needs. At The Horn Agency in Mobile, Alabama, our agents understand the challenges and risks involved in running a restaurant. We can custom-tailor a policy with the right coverage in the right amounts to help protect your establishment.
Types of Restaurant Insurance Coverage
Before we recommend an insurance package for your restaurant, we take the time to understand your neighborhood, clientele, and exposure to both customers and employees. Once we have a clear picture of your needs, we create a customized package that may include:
- Restaurant liability insurance
- Property insurance
- Business interruption insurance
- Foodborne illness coverage
- Workers’ compensation insurance
- Valet parking/garagekeeper liability
- Company auto insurance
- Employee benefit plans
- Employment practices liability
- Crime/fidelity policies
- Electronic equipment policies
- Bonds
Every business carries risk, but restaurants can be particularly vulnerable due to high customer volume and reliance on properly functioning equipment and facilities. When determining the right coverage for your restaurant, consider these factors:
- What coverage is required by law?
- What coverage is required by your lenders?
- What unique risks does your business face?
- What level of protection do you want for those risks?
The cost of your restaurant insurance package will depend on several factors, including your risk exposure, the types of coverage selected, your business location, seating capacity, and number of employees. Our team at The Horn Agency is committed to identifying coverage options that meet your needs while also helping you find cost-effective solutions.
