As a restaurant owner, what you need in restaurant insurance probably includes coverage for your building, your business personal property, the personal property of others in your care, liability and employee on-the-job injuries.
And that is probably just the beginning since restaurants face some pretty unique risks. Below are some common industry risks that can help you think about what you need in restaurant insurance. Not every insurer or policy offers coverage for each one, so it’s important to have an idea of what you really need in restaurant insurance when you’re shopping for coverage.
A few of the other coverages that restaurant owners often need include coverage for property damage related to an off-premises utility failure; employee dishonesty and theft; sewer and drain backup; and dish and glass breakage.
As you can see, restaurant insurance is important—and complex. To get some peace of mind about your coverage, it’s important to speak with an insurance professional like an Erie Insurance Agent. ERIE has a program that includes products and services specifically developed to provide restaurant owners with the protection they really need. A local Erie Insurance Agent can tell you more about it and give you a free quote.