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We shop the major insurance carriers to find you the best coverage for the best price. California commercial insurance is much more than just insuring your vehicle or business; we must calculate what liability limit you need in order to be driving around safely. Remember not all commercial insurance is created equal, so it is up to our agents to help you navigate your insurance needs. Our team will make sure you fully understand the coverages so you know what you’re buying.
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Restaurant Insurance
As a restaurant owner, you probably know that you need insurance but maybe you are not exactly sure why. Of course, you train your employees and think that accidents won’t happen to them, or customers, but the reality is that there are a lot of risks when it comes to the restaurant business. The biggest risk and most common claim is a slip and fall resulting in an injury, and not just by employees. While Workers Compensation coverage will pay if the employee is injured and needs to miss work, but what about a customer who may also slip and fall? This is where General Liability insurance comes in. And this doesn’t even cover if you endure a food contamination or poisoning event.
What does it cost?
The cost of insurance for a restaurant can depend on a variety of factors such as how many policies you need to obtain for your restaurant and the type of restaurant you have. Additionally, the size of your restaurant, the number of employees you have, and the location of your restaurant can also affect how much it will cost to insure your restaurant. Usually, restaurateurs will obtain general liability insurance, which protects against property damage and third party claims which can occur frequently. The cost of general liability for a restaurant can range from $529 to $6,097, annually.
What kind of insurance is needed?
How much is food contamination insurance?
The kind of insurance your restaurant needs greatly depends on what you feel is necessary for your business to have.
Generally, almost all restaurateurs will acquire general liability insurance for their restaurant, since it is the most “universal” type of insurance; covering third-party claims and Commercial property to cover property damage which are events likely to happen with any business.
Nevertheless, you can acquire other types of insurance to protect your restaurant such as liquor liability, workers compensation, hired/non-owned auto, umbrella insurance, EPLI and Product Liability.
Just like restaurant insurance in general, food contamination insurance can vary based on different factors such as the size of your restaurant, where your restaurant is located, and the type of food you serve.
Typically, for a catering company or small restaurant, the cost for food contamination insurance can be $500. However, if you have a larger restaurant, the cost is bound to be higher.
Therefore, food contamination insurance prices can range from $600 to $24,000, with $1,900 being the most typical or average cost annually.