Protecting Your Restaurant and Patrons

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Its the opening day of your new restaurant and you think you have everything ready. The tables look great and your servers know your specials inside and out. But there may be something you are forgetting. You might not think liability insurance is important for a successful business. But if you want to protect the place you just worked so hard to get started, you need the right insurance policy.

Your liability insurance is there to cover you in cases such as when someone slips and gets hurt on the premises,  your new cook accidently starts a fire, a waiter spills hot coffee in a person’s lap, or even if one of your signs would fall on someone’s car in your parking lot. Without the right coverage, you might have to pay the clean up cost as well as any other unforeseen costs.

With the right coverage from Stolly Insurance, you could be provided coverage for:

  • Legal fees from court costs
  • Rewards for the plaintiff if you lose a court case
  • Any medical bills for those involved
  • Any cost that you have in clean up or replacing goods

It is important that if your establishment serves alcohol, you protect yourself from potential financial losses by being covered with a liquor liability policy.

Any establishment that sells, serves, or assists in the purchase or use of liquor opens its doors for a liability claim as a consequence of someone getting intoxicated to the extent that injuries or property damages are the result. This includes restaurants, bars, nightclubs, and taverns. While it’s logical that the inebriated person should be the one to pay, in reality the business that served the alcohol could be liable for injuries, damages, or both that occurred as a result of actions, behaviors, or conduct of a patron who drank too much.   Liability claims made to a restaurant or bar as a result of damages or injuries caused by an intoxicated person can be quite costly.

To make sure that you are completely covered, call your Stolly Insurance Agent to thoroughly review your policies. In addition, make sure you keep your agent up to date on any changes in your business.