The demands of restaurant ownership are never-ending and fast-paced. You simply do not have time for major setbacks. Whether you run a local bar, operate a catering business, or you’re taking advantage of the food truck craze, having the right restaurant insurance means spending less time stressing about your potential risks and more time focused on your food and customers.
What would happen if your head chef was severely injured after falling in your kitchen? What if that same employee was the head chef of your restaurant? Could your business continue to operate while such a vital employee recovers from an injury? There are many situations that could threaten the operation and continuity of your restaurant. While you cannot predict the future or even prevent circumstances that are out of your control, you can take steps to protect yourself when disaster strikes.
Here at Brian Van De Hey Insurance, we can offer restaurant insurance for a wide range of De Pere and Green Bay area food service businesses. Examples include:
- Cafés and Counter Service
- Fast Food
- Five-Star Restaurants
- Catering Services
- Food Delivery Services
- And More
Types of De Pere Restaurant Insurance
Though the insurance needs of restaurants vary from business to business, most require several different types of coverage. We can create a bundled insurance plan designed to save your restaurant money without sacrificing important coverage. Your restaurant insurance might include:
If a customer chokes or breaks a tooth on a foreign object cooked into a meal, you could be sued for the damages. General liability covers your restaurant against claims of bodily injury, property damage, and other losses sustained by customers, vendors, and other third-parties.
You are responsible for the people who work for you. From your bussers and hostesses to your servers, bartenders, and kitchen line, workers compensation covers anyone who is injured on the job. This type of insurance pays for employee medical bills and rehabilitative costs, as well as lost wages during the recovery period.
Commercial Property Insurance
If a fire starts in the kitchen or a storm blows your roof off, commercial property insurance can help you cover the costs of rebuilding. Typically, commercial property insurance covers a wide range of perils, from burst water lines to vandalism and theft.
Business Interruption Insurance
If you are temporarily unable to conduct business due to a covered event, this type of insurance can help cover your lost income until you can reopen.
Commercial Vehicle Insurance
If you operate vehicles in the course of business, commercial vehicle insurance can protect your assets and your business against liability and property damage in an accident.
Other Types of Restaurant Insurance
There are several other types of coverage that may be appropriate for your business. Liquor liability insurance, for example, helps cover you if a customer drinks too much at your restaurant and causes injury or property damage to a third-party while intoxicated. Another type of restaurant insurance – food contamination insurance – helps protect your business if a customer becomes ill after you accidentally serve unsafe food. Coverage can pay for liability, as well as the cost of sanitization and replacement of contaminated food.
Restaurant Insurance Quotes in De Pere
If you own or operate a restaurant in De Pere or the greater Green Bay area, we want to help you meet your insurance needs. Contact our office to request your free quote and speak with an independent commercial insurance advisor. We look forward to serving you soon.