Liability Insurance for Restaurants and Hospitality Businesses

All businesses need insurance coverage. But which types? In this article we’ll discuss a few types of liability insurance for restaurants and hospitality businesses. Liability insurance policies can help cover the costs that might be associated with damage to property, as well as liability claims. Without the right coverage, business owners may have to pay out of pocket for claims made against their company. Restaurant and hospitality business owners should consider business property insurance, which can help cover the physical building and everything inside.

Restaurant Liability Insurance

professional liability and general liability for restaurants and hospitality businesses

Why is it so important for restaurant and hospitality owners to have proper insurance coverage? There are several types of incidents that insurance can help protect a restaurant owner from.

  • Slip and fall injuries – If someone slips or trips on your business property, they can file a lawsuit to cover their medical costs.
  • Liquor Liability – If an intoxicated customer of yours injures another customer in a fight or causes damage to your restaurant, you may be liable for the cost.
  • Food Poisoning – If a customer says they had food poisoning after eating in your establishment.
  • Property Damage – In the event that damage to your business or equipment occurs due to a kitchen fire, vandalism, or even heavy rain.

What is the Difference between General Liability and Professional Liability?

Professional and general libaility insurance claims can be financially devastating to a business. Being prepared for either scenario is important.

What does General Liability Cover?

what type of liability insurance do i need for a restaurant

Business general liability insurance covers physical risks, such as property damage & bodily injuries. Claims such as a customer slipping on a spilled drink or a valet driver damaging a vehicle may be covered under a business’s general liability insurance.

What does Professional Liability Cover?

Professional liability insurance for businesses covers errors & omissions in the services your business provides. This could be events such as a bout of food poisoning from bad food or inadequate preparation.

Which Type of Liability Insurance do I need for a Restaurant?

Most often, it will not be a question of “which type of coverage should I choose?” but instead “do I need both general liability & professional liability?”

Speaking with your agent at Jankowski Agency, Inc. can help ensure you have the right liability insurance for your restaurant or business. Call us today at (518) 883-3415.

Skip to content