Cooking up the Right Business Insurance Coverage for Your Restaurant

Why Do You Need Insurance for Restaurants?

You’ve got the right ingredients for a successful restaurant business. The reviews are rolling in, the menu is well enjoyed, and the seats are filled. Restaurants don’t always go to plan, though. Your professional restaurant equipment could get stolen. You could have a kitchen fire. A customer could slip and fall in your waiting area. Can your restaurant withstand the potential risk from those types of incidents?

Those are just a few unexpected events that can happen in the dining business. Make a reservation for solid business insurance to protect your hard work. Insurance for restaurants from B2Z Insurance can reduce your cost for liability and other property claims, as well as provide your business the financial support needed to repair or replace your kitchen equipment if your restaurant is impacted by theft or fire.

woman opening front door of restaurant

What Restaurant Business Insurance Coverage Do You Need?

  1. Workers’ Compensation Insurance.

    Restaurants employing part-time and full-time workers are required to have workers’ comp insurance in the vast majority of states. Considering the high cost of on-the-job employee injuries like a knife accident and illnesses sustained due to work is critical. It makes sense to have workers’ compensation coverage for your restaurant business. Workers’ Compensation insurance helps your business with applicable employee medical bills, employee lost wages, and legal fees related to employee lawsuits to protect your business.

  2. Business Owner’s Policy (BOP).

    Restaurant businesses benefit from having a business owner’s policy—insurance that combines general liability and property damage coverage into one convenient policy. A BOP is an affordable route for comprehensive coverage for your restaurant business. It generally extends to property damage, including the loss of your location’s contents from catastrophic events like a grease fire, and it may help ease financial obligations following a liability incident, such as a customer slip-and-fall accident on the premises.

For Restaurants, Diya Recommends:

If you use your personal car for restaurant deliveries, Hired And Non-Owned Automobile Insurance is an important consideration to bridge coverage gaps involving accidents.

  1. Q
    How do I get insurance for a restaurant?

    B2Z Insurance is your one-stop-shop for insurance plans to fit your small business restaurant’s needs. Depending on the coverage you choose as a restaurant owner, you can reduce the financial burden from theft, accidents, fire, etc. Start by answering a few basic questions about your restaurant business, and, if we can cover you, choose the coverage that fits.

  2. Q
    How much does restaurant insurance cost?

    Calculating your policy premium takes the unique factors of your restaurant business into account—it is fully customized. You may be asked about your restaurant’s location, the number of full-and part-time employees, and how long you’ve been in the restaurant industry, etc. To get a quote in minutes, click on the Request a Quote button, answer the questions and choose your coverage type. Then pick a policy start date, complete your account profile, and set up payment information. At B2Z, we understand that protecting your business and your team is of the highest importance!

Get your restaurant insurance quote now! Click the button, answer a few questions, and customize your coverage in minutes.