Restaurant insurance helps protect your business, allowing you to focus on serving your best dishes.
You focus on the cooking; we'll take care of the restaurant insurance.
Insurance that works as hard for your business as you do.
As a restaurant owner, you're well aware of the effort required to manage your business each day. You’ve likely also heard the statistics about succeeding in the restaurant industry. However, did you know that having a restaurant insurance policy can help improve your odds by reducing some of the risks associated with the food business?
What every restaurant owner should know about insurance.
In addition to standard business insurance, it's wise to explore a restaurant-specific insurance policy. Not only can it simplify your life, but it may also cover risks you might not have anticipated. Running a restaurant comes with unique challenges, which often require specialized coverage tailored to your business needs.
Protect the property your restaurant is on.
One of the most important parts of many restaurants is the property it is located on. For that reason, most restaurants will usually cover risks to property, such as the building and equipment, along with liability to customers and staff.
The complexities of restaurant insurance.
Aside from property liability coverage, there’s an important difference to note between general liability, such as a customer slipping on a spilled drink, and professional liability, such as a bout of food poisoning from bad food or inadequate preparation. General liability may cover patrons who are injured on your property, as well as property damage, and may also protect you from potential lawsuits. Professional liability, on the other hand, may protect your restaurant if someone gets sick from spoiled food products.
What does restaurant insurance coverage include?
Restaurant insurance often encompasses protection against food spoilage and contamination, general liability, liquor liability, and commercial property. There may also be additional coverage options that can be included in your policy.
How much does it cost to insure your restaurant?
The costs of coverage depend on a variety of factors, such as location, as well as the size and type of your restaurant, including small restaurants, high-end restaurants, and chain restaurants.
The hidden risks of running a restaurant.
Additional factors that are often neglected involve the potential for fraud and data breaches associated with cash and card transactions, the possibility of food spoilage that necessitates disposal during power outages or refrigeration failures, and the potential loss of revenue if you must temporarily close for repairs following a fire incident. Insurance solutions like cyber liability, spoilage coverage, and business income protection can provide essential safeguards in these situations.
Are you prepared to enhance the security of your business with restaurant insurance? Reach out to us to explore your restaurant's insurance requirements and review your available coverage options.
Prefer to speak with someone from Dotterer Insurance? Contact us directly.
Contact Us
Summerville, SC Office
870 College Park Road
Summerville, SC 29486
Orangeburg, SC Office
1628 Saint Matthews Road
Orangeburg, SC 29118
Experience the Value of an Independent Agency
At Dotterer Insurance, our mission is to help you protect what matters most with coverage you can count on from people you trust.
We are licensed in South Carolina, North Carolina, Virginia, and Georgia.
