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Opening a restaurant in the Evergreen Park, IL area is an exciting opportunity. As a restaurant owner, it is critical that you have a comprehensive insurance package in place. The agents at the Martin Insurance Team would be happy to discuss your specific restaurants’ needs to make sure you have all the appropriate coverages in place.
General Liability
General liability is one of the most critical policies a restaurant carries. General liability will protect you in the event a third party is injured while at your restaurant. Types of claims can range from a slip and fall to a claim that a customer suffered from food poisoning.
Property insurance
For a restaurant that relies on costly kitchen equipment, it is critical to carry a comprehensive property insurance policy. A property policy can protect you in the event your property and equipment is damaged in a fire or even stolen.
Workers Compensation
Depending on the number of employees you have, workers’ compensation may be required by law. Even if it is not required, you may want to consider purchasing it for protection. A workers’ compensation policy will protect you in the event an employee is injured as a result of their job duties.
Liquor Liability
Liquor liability is an essential coverage if you serve alcohol at your establishment. Liquor Liability will protect your business in the event someone has too much to drink and hurts another person either at your restaurant or after they leave.
Food spoilage insurance
As a restaurant owner, you know how high the cost of your food supplies can be. A food spoilage policy can help cover the cost of the food in the event there is a power outage or your fridge breaks down, and you need to throw your food supply out.
If you have questions about insurance policies for your restaurant, reach out to an agent at the Martin Insurance team today. We proudly serve the Evergreen Park, IL area.
