Restaurants in Spartanburg, SC, need insurance just like any other commercial business. There are a number of reasons why restaurants need insurance. Kitchen disasters can happen regularly. One small fire, and you could be forced to shut down until it’s fixed. Injuries can happen at any time, whether it’s a slip and fall from spilled drinks or a waiter having an off day and spilling a pot of coffee on a guest. With liability coverage, you will be protected and avoid a major lawsuit. Liability coverage will also protect you if a guest seeks damages for food poisoning. Not only can guests get injured on the job, but so can staff members, which is why workers compensation insurance is important.

Restaurants should at a minimum have these types of common insurance: general liability, commercial property, workers compensation, and liquor liability. Liquor liability is recommended if your restaurant serves alcohol, so you aren’t held liable of an inebriated person causes damage to another person or property. There are also different types of policies restaurants can discuss with their agent at Allsurance Group. These include food contamination insurance and loss of business insurance. Food contamination insurance can help you if food spoils or is exposed to various types of contamination in a situation beyond your control. Loss of business insurance can help you if your restaurant loses sales under certain circumstances. Many restaurants are also suffering cyber security hacks, so you may want to consider cyber insurance to cover any costs that are associated with a data breach. While there are certain policies that make sense for a restaurant, there is no one-size-fits-all approach to make sure you have adequate coverage, and insurance needs can depend on the size, location, and nature of your restaurant.

Contact Allsurance Group serving Spartanburg, SC, to get a quote on insurance for your restaurant.