Call 256-704-7400 to Get the Right Restaurant Insurance for Your Business at the Best Rate!
Being a restaurant owner means managing a lot of different things at once and this can get quite overwhelming, especially if the sudden and unanticipated happen. However, having the right type of insurance can promote peace of mind, leaving your available to focus on your customers, food, employees, suppliers, and day-to- day operations. Burkett & Associates Insurance Agency is here to get the right restaurant insurance for your business at the best rate.
Some Common Risks Restaurant Owners May Encounter
Restaurants are exposed to a multitude of risks every single day and because of this, you must be prepared to handle the exposure if and when it strikes. Below are just some of the situations you may encounter and must be prepared for handling:
- You restaurant is faced with a salmonella outbreak, with over 100 customers getting ill and needing treatment. Now you have to temporarily shut down.
- Your refrigeration units go down and now all of the food is spoiled and unable to use.
- One of your customers falls on a slippery floor, resulting in a back injury and now you are faced with a hefty lawsuit.
- A fire destroys your restaurant and everything in it. Now you are faced with relocating, rebuilding, and replacing everything.
- One of your drivers is delivering food to a wedding venue when he fails to stop at a red light causing a multi vehicle accident. Now, you are faced with injury and property damage claims from the injured driver(s)/passengers.
These are just some typical risks you may encounter as a restaurant owner, but as you know anything can happen. Experiencing just one of the above listed exposures could potentially destroy your business if you aren’t prepared. Are you prepared?
Below Are Some Typical Coverage Options Available for Your Restaurant, but Not Limited to:
- General Liability
- Workers Compensation
- Liquor Liability
- Business Property
- EPLI (Employment Practices Liability Insurance)
- Refrigerated Property
- Identity Theft
- Loss of Income
- Business Auto
Because Burkett & Associates Insurance Agency is a Huntsville based independent insurance agency, we work for you and not the insurance company. We can shop your coverage with various top rated Alabama insurance companies t0o find the best possible rate and coverage that meets all of your restaurant needs. Our staff understands how important your restaurant is and we will assist you in understanding risks most prevalent in your industry, develop an insurance policy to minimize those risks, fill in any coverage gaps, and optimize your restaurant business.