Types of Liabilities to Cover With Illinois Restaurant and Liquor Insurance

Restaurant and liquor liabilities are a serious concern for restaurant owners in Illinois. One wrong thing could turn into a significant legal crisis. Where food and drink are concerned, establishments today need to be proactive when it comes to safety and protection for both customers and employees.

At Martin Insurance Team, we want Evergreen Park, IL restaurants and bars to be protected from any legal and financial crisis. There are a number of potential liabilities to consider when you are buying Illinois restaurant and liquor insurance.

Food Liabilities

There is always going to be a concern that a food problem could arise in your establishment, no matter how careful you are. You may have the best health inspection record in town, you still need to be covered for every possible scenario. This can be covered through general liabilities. 

Labor Liabilities

Labor liabilities are sometimes more expensive than customer liabilities. If an employee injures themselves on the job, or someone else, the problem becomes a crisis.  Safety training is a great place to start and may help with insurance costs. 

Be sure that all of your employees are certified to handle liquor service responsible. Workers’ compensation insurance is important, but so is commercial general liability insurance.

Liquor Liabilities

The number of potential liquor liabilities in an Illinois restaurant is infinite. Anything can happen. Insure yourself as much as possible with liquor liability insurance.

The law does stipulate that in most cases, intoxicated patrons are responsible for their own actions, however there are situations that may be excluded where you could be held liable. Insure yourself, and lay down the law when you need to so that you can avoid the claim in the end.

Get a Quote

When you are serving alcohol and food, the stress of potential liabilities could be crippling. Martin Insurance Team wants the restaurant owners of Evergreen Park, IL to eliminate this stress. Call us for a quote for liability insurance today.