1701 Gateway Dr. Ste. 431
    Richardson, TX 75080
    972-480-9878
   
Commercial restaurant insurance provides coverage for restaurants, bars, delis, coffee shops, bistros and more.

It includes coverage for buildings, employees, liquor liability insurance, loss of business income and more.

Here is basic business insurance coverage for a restaurant:
• Worker's compensation, providing protection for employees if they are injured on the job.

• Buildings, storage buildings and permanently installed.

• Boiler and machinery insurance for restaurants and coverage for equipment that breaks down.

• Coverage for business personal property.

• Additional coverage for loss of earnings and crime coverage


Buy commercial van insurance to get coverage for cars, vans and trucks used for restaurant business.
• Contractual liability: it provides coverage relating to contractual obligations, especially helpful in landlord and tenant situations.

• Umbrella liability or excess: Amounts of liability insurance are based upon the individual risk's needs.

• Personal and advertising injury: This provides protection for losses to another person or business due to slander, libel, copyright infringement and related losses.

Coverages available in business liability insurance vary depending on insurance companies.
Unique needs of restaurants also can be covered, including employment practices liability, liquor liability and valet liability.

• Claims by employees and customers for harassment or discrimination: The employment practices business liability insurance also cover for punitive damages.

• Blackouts and brownouts: The business insurance covers interruptions of power that cause food spoilage or damage to equipment.

• Off-premises power interruptions: also covered by business income insurance.

• Liquor liability: covered by the business liability insurance. It provides coverage in case a customer becomes intoxicated and causes injury to themselves or others.

• Parking lot liability and valet liability: included in the small business liability insurance.

• Glass and signs: covered by commercial restaurant insurance.

• Damage to fine arts: as part of insurance for restaurants.

• Food-borne illness: should also be included in the business liability. If contamination occurs, and the restaurant has to close, reimbursement can also be provided for loss of business income.