Workers Compensation for Restaurants

When it comes to Business Insurance, Workers Compensation for Restaurants is probably ​one of the most underrated and overlooked policies for restaurant owners. I know I've done posts on Workers Compensations before, but this one is more geared for the restaurant industry. 2020 has been tough for restaurants and Workers Compensation claims haven't slowed down. Here are my thoughts on it:

Let's face it, there are many perils when it comes to restaurants. Lots of cutting and machinery where accidents can inevitably happen. There's always cleaning, which can lead to slippery floors.  Add in the fryers and you have a recipe for disaster. Lastly, there always seems to be some chaos during that lunch or dinner rush. Trust me, I know, I worked in the restaurant industry for many years, accidents are going to happen. Having a plan in place for when they happen is critical to your business and your employees. You can have safety briefing after safety briefing, but accidents are bound to happen. 

Since Workers Compensation is not required in the state of Texas, some restaurant owners forgo coverage. Others, believe it or not, think it is included in their Businessowners Policy. It is not. It is a separate policy. As far as the cost, when you think about what you get, it's relatively inexpensive. Insurance companies are very hungry to write this line of business and premiums are very competitive at this time. 
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As a restaurant owner, don't you want to protect your employees? This coverage provides that coverage for your restaurant. If you want to take it upon yourself and pay out of pocket, that could get very costly and is extremely risky. If this is your plan when it comes to work related injuries, please be aware that the employee can sue you if they feel their needs are not being met. Workers Compensation offers employer protection, which protects you from being being sued. 

Worker Compensation for Restaurants is definitely something to consider. If you have any questions about the coverage, please feel free to contact me. I can also help get you a quote with very little information. 

Jason Matison
Commercial Insurance Agent
Austin, Texas