The Five Most Important Types of Insurance for Restaurants

Restaurant owners face specific risks that other types industries don’t have to worry about. And while dwelling on the worst-case scenario is rarely helpful, it is important to evaluate what some of these risks are. 

Because the truth is many of them will be out of your control. You can’t control whether a guest spills a steaming hot cup of coffee on their lap and suffers third-degree burns. But you will have to deal with any legal and financial consequences.

It’s important to understand where your business is vulnerable, so you can buy the right insurance policies to protect your restaurant and yourself.

Here are five insurance policies you should consider for your restaurant:

Commercial General Liability Insurance

The National Floor Safety Institute (NFSI) estimates that over three million food service employees are injured yearly due to falls at work. But it’s not just employees who are at risk -- over one million guests are injured due to restaurant slips and falls.

So…