California Restaurant Insurance
Complete Food Service Insurance Solutions To Protect Your Business
In order to own and operate a restaurant efficiently, you have to be a person that has a great passion for providing their customers with top quality food and service. In addition, you also have to have a firm understanding of the workings of the food service industry.
As a restaurant owner or general manager, it is your duty to provide families and individuals within the surrounding community with great service with they dine with you. When a customer walks into your restaurant, they expect to find a place that is managed well, staffed appropriately, accessible, safe and clean.
Running a restaurant is an extreme responsibility. You have to buy, store and prepare food and beverages, in addition to hiring and managing the qualified staff that works in your dining room and kitchen. You also have to worry about keeping your facility safe and clean on the inside and outside of your premises, as well as keep up with licenses and inspections from relevant authorities.
On top of everything else that you have going on with your restaurant, you must also worry about protecting your business from risk. This means that you have to be prepared to face lawsuits filed against you, recover from unexpected losses and property damages. Fortunately, Joel Wagner, co-founder of WHINS Insurance Agency of California, is here to help you with a specialized Restaurant Insurance policy. This valuable coverage provides the necessary protection to ensure the ultimate success of your beloved restaurant.
When you have a restaurant to run, there are a number of areas of risk that you will need to take into consideration, such as:
- Customer accidents, such as slipping on a freshly mopped floor
- Food poisoning caused by improper preparation or contamination
- Food spoilage caused by facility damages or loss of power
- Facility or property destruction and damage
- Staff members injured on the job
Insurance protection for your business is a combination of a number of different types of coverage. Each of these coverage types addresses a particular type of loss and has its own coverage limit and deductible.
When you file a claim, you will be required to pay the deductible, and then your Restaurant or Bar Insurance policy will kick in to pay the remaining amount for the loss up to the limits of your coverage. The amount that you will have to pay for your policy will vary according to the limits and deductible amounts that you choose. Joel Wagner will help you decide the exact levels that you need in order to properly protect your restaurant.
Customer Illness Or Injury
When you have a restaurant to run, your greatest exposure is going to be liability. This includes legal action that your customers are likely to take toward you if they are injured on your premises or become ill after consuming food that was prepared in your kitchen.
The cause and severity of each of these claims will vary. However, one of the greatest complaints is negligence, such as not properly maintaining your facility and serving food that is under-cooked, contaminated or spoiled. Your Food Service Insurance should include liability protection that will extend to motor vehicles that your restaurant uses to deliver food and liquor liability if you serve alcohol to your customers.
As a restaurant owner, you should be well aware that there are some foods that must be frozen or refrigerated in order to stay fresh. However, a mechanical breakdown or power outage can result in food spoilage. With proper Restaurant Insurance, you will be able to recoup the lost income from wasted products and clean up in such a situation.
Protecting Your Restaurant From Property Damage
A restaurant is a brick and mortar establishment. This means that your business is susceptible to damages that are caused by theft, fire, flooding, vandalism and wind. Joel Wagner will walk you through all of the different types of property damage coverage that are available for restaurant owners and managers.
This type of Food Service Insurance will address all of the major areas of exposure, such as your premises, building structure and its contents. You may be able to obtain coverage for fencing, signage and construction. When obtaining coverage for the contents of your restaurant, such as your kitchen equipment, computers, registers and furniture, the value will be combined in order to determine the best level of coverage for you.
From time to time, you are most likely going to have to deal with an employee that is injured while working for your restaurant. You will be responsible for paying for lost wages, recovery and medical expenses. The most common injuries sustained by those working in the restaurant industry include burns, back issues, cuts and falls. Your workers compensation insurance will cover you against this type of loss.
Owning a restaurant in California can be complicated. That is why you should not waste another minute without proper Restaurant or Bar Insurance. Call (818) 233-0825 for Joel Wagner of WHINS Insurance Agency or click on the quote request button now to get the coverage that you need right away.