Business Owner’s Policy
- General Liability – helps protect your restaurant from certain lawsuits alleging injuries or property damage that occurred as the result of your business operations. For example if a patron trips and is injured while walking in your restaurant, or a server spills food and ruins a patron’s jacket. It even helps cover certain claims of slander and libel against restaurant owners. Business Liability insurance does not cover liabilities directly arising out of the professional services your restaurant may provide.
- Commercial Property – helps cover the physical location of your restaurant and the tools used for running your restaurant business, like ovens, stove tops, plates, and utensils – whether you own or lease them.
- Business Income – helps cover the loss of income when you can’t run your restaurant or food business because of covered property damage.