Why do food and beverage business owners need business insurance?
As a food and beverage business owner you need the appropriate individualized insurance protection to cover you during the most unpredictable events or accidents such as:
-An employee getting injured while working
-A customer hurting themself at your business
-Inventory expiring and spoiling
-Equipment being damaged
As a food and beverage business owner, we know that there are a million responsibilities on your to-do list. We will set you up with the right types of food business insurance to relieve you of some of those responsibilities and worries. Food business insurance is here to financially protect you from those accidental and unexpected incidents that occur. The only thing we want you to focus on is a successful business, so let us alleviate you of the accidents that food business insurance can protect you from.
What is food services liability insurance and how does it protect my business?
Food service liability insurance is focused on protecting your food business financially if a customer opens a claim against your business or if gets injured while at your business. It is common that general liability insurance is on top of the list of needed insurances when opening a food and beverage business. With food services liability insurance you’re protected and not paying out of pocket if an accident happens with a customer that you can be liable for such as:
– If a customer gets food poisoning, your business can be liable for the medical bills
– If a customer’s property is damaged due to one of your employees, you can be a held liable for the cost to replace the damaged property
– If a customer slips and falls in your business because of a wet floor, you can be held liable for the medical expenses.
Food business insurance adds a layer of financial protection to your food business: restaurant, cart, and truck in the event of an accident and other risks such as:-property damage
-customer injury induced by an accident
-employee workplace injuries
-professional mistakes
-property damage or injuries involving your work vehicles
-liquor liability (liquor liability insurance)
The price of Food and beverage insurance is dependent on the following factors in order for us to give you an accurate quote: the types of services you offer and operate, the location of your business, how many employees you have and what are their job responsibilities, and number of work vehicles.
