Between the kitchen, the dining room, and everything in between, restaurants face a different set of risks than most small businesses — coverage should reflect that.
Food service businesses typically need a broader mix of coverage than a standard storefront.
Restaurants see a lot of foot traffic and handle food directly — general liability helps cover customer injury and illness claims.
A failed walk-in cooler or fryer can shut down service fast. Equipment breakdown coverage helps offset the repair cost and lost business.
If you serve alcohol, liquor liability helps cover claims related to intoxicated guests — coverage general liability typically excludes.
