Running a restaurant is no small task. Between planning menus, managing staff, handling customers, and staying on top of marketing, there’s always something that needs attention. But one area you can’t afford to overlook is protecting your business with the right insurance. It’s the safety net that can help you recover from the unexpected.
Why Restaurant Insurance Matters
If you’re running a restaurant without insurance, you’re taking a big risk. One small mistake can turn into a costly problem. For example, if a server accidentally gives a customer food containing a hidden allergen, and that customer gets seriously ill, you could be responsible for emergency medical bills, legal fees, and other expenses. The total cost could easily hit tens of thousands of dollars.
For many small restaurants, this kind of setback can be devastating. It might mean having to reduce staff, delay repairs, or pull back on advertising just to stay in business. Insurance helps you avoid those hard choices by covering the costs of these incidents.
5 Questions to Ask Before Choosing Restaurant Insurance
-
Do We Really Need Insurance?
Yes. Restaurants are busy places with a lot of moving parts. Customers, employees, and vendors are constantly in and out, which increases the chances of accidents, injuries, and property damage. Plus, most states require Workers’ Compensation Insurance to protect employees if they get hurt on the job.
-
What Coverage Do We Need?
A strong insurance plan will protect the people, property, and operations of your restaurant:
-
People: Workers’ Compensation helps cover medical care and lost wages for employees injured at work. If the worst happens and an employee dies on the job, it may also provide benefits to their family.
-
Liability: If someone sues your restaurant for wrongful termination, harassment, or discrimination, Employment Practices Liability Insurance (EPLI) can protect you.
-
Property: This includes your building, kitchen equipment, delivery vehicles, and even your food inventory. Whether it’s a power outage that spoils food or a damaged delivery van, the right insurance has you covered.
-
Operations: There are other risks too, like alcohol-related incidents, cyber threats, or food safety mistakes. These may not happen every day, but if they do, the financial hit can be serious.
-
What Will It Cost?
Insurance costs depend on several factors, including your restaurant’s size, location, history of claims, and the services you offer. The good news is, Paperless Insurance Services, Inc makes it easy to get a quote online. You’ll know what to expect upfront – no surprises.
-
When Should Coverage Start?
Don’t wait until opening day. You need coverage before you even open your doors. Accidents can happen during setup or staff training. Paperless Insurance can usually get your policy active by the next day, giving you quick peace of mind. Please note: if you are in the early stages of opening and will be going through a remodeling your new restaurant, it could be too early for a conventional restaurant insurance and instead you may need a builder’s risk policy or vacant building liability. Call us and we will help you to determine which insurance is appropriate for your particular situation.
-
Where Should I Get Coverage?
Choose a provider who understands the restaurant industry and will be there when you need them most. Paperless Insurance Services, Inc is a trusted name, offering:
-
Insurance policies that cover all your needs
-
One contact for claims and support
-
A simple, streamlined process
Restaurant owners, whether they’re opening their first spot or expanding their brand, appreciate how easy and comprehensive the coverage is.
Why Owners Choose Paperless Insurance Services, Inc
New restaurant owners love how quick and straightforward it is to get started. The process is simple, and expert support is available every step of the way.
Experienced restaurateurs also benefit from coverage that evolves with their business. Paperless Insurance Services, Inc helps review and update your policy as your needs change, so you don’t get caught with gaps in coverage.
Comprehensive Policy. Total Protection.
Getting insured shouldn’t be complicated. With Paperless Insurance Services, Inc, you can cover your staff, property, and day-to-day operations under easy-to-manage policy. A single policy that covers workers comp., liability, property and auto is available as well.
Don’t wait for an accident to happen. Get started today and have coverage as early as tomorrow.
Still have questions? Call 1-877-239-0067, Monday to Friday, from 10am to 6pm PT, and talk to a friendly advisor who understands small businesses.