When it comes to Restaurant Insurance, General Liability Insurance is usually required by the bank or landlord, which makes it a must have. Restaurants are exposed to a wide array of risks, from slippery floors to food that might be bad. Below are just a few exposures that a General Liability policy might respond in the event claim.
Customer Injuries- What if a customer slips and falls? Restaurants have proven to be a haven for such risks due to the environment. Please note, if an employee slips and falls, a General Liability policy would not respond. This would be considered a work related injury, so you would need a Workers Compensation policy.
Product Liability- Food can be dangerous believe it or not. If someone eats at your establishment, and gets sick from your food, you could have a problem on your hands.
Advertising Injury- With social media at our fingertips, restaurants are constantly advertising. What if you inadvertently use a slogan from a competitor and they decide to sue you for damages?
These are just a few reasons why General Liability for Restaurants should not be overlooked when considering a business insurance policy for your restaurant. As can see, there is a reason why most landlords and banks require restaurant establishments to carry general liability insurance. If you have any questions, or would like a quote, please feel free to contact me. We have extensive experience when it comes to Restaurant Insurance in Austin Texas.
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