Optional but Important Restaurant Coverages

Optional but Important Restaurant Coverages

In our previous blogs, we have went over some of the important policies every restaurant should have. This includes General Liability, Business Personal Property, and Workers Comp. However, there are several optional coverages that are important for restaurants, depending on their operations.

Optional but Important Restaurant Coverages – Liquor Liability

One of the most overlooked coverages when purchasing General Liability is Liquor Liability. Many restaurant owners do not realize that claims arising as a direct result of alcohol consumption are supposed to covered under the Liquor Liability portion of their General Liability. Liquor Liability is usually not included unless it is specifically added to your policy. This makes it especially important to check to make sure you have this invaluable coverage.

Optional but Important Restaurant Coverages – Business Income

As we mentioned in our previous Restaurant blog, Business Personal Property is a very important coverage for any Restaurant. If you have Business Personal Property coverage, you should also have Business Income coverage. Business Income is an optional coverage that will pay you for lost income due to a covered property loss. This simple, affordable coverage can truly save your business if you experience a large claim. Again, this coverage is optional, but it is very affordable and every restaurant should have it.

Optional but Important Restaurant Coverages – EPLI

EPLI, also known as Employment Practices Liability Insurance, is another optional coverage that all restaurants should consider. EPLI provides legal defense coverage against claims that arise from your employment practices. This can include coverage for discrimination, sexual harassment, and other wrongful acts arising out of employment practices. This coverage is rarely included unless you specifically request it, so make sure to look into this coverage when shopping for your Restaurant Insurance.

We work with many Restaurants and would love to assist you. Give our specialists a call at 925-297-4829.

All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.