The most important fundamental coverage available to any insured is - Liability.
Restaurant/Bar liability insurance provides coverage that protects against, bodily
injury, property damage or personal injury claims made by someone else. What about
all the other hazardous elements of your operation? There are many different things
that your general liability insurance will protect you from, and each policy is
different so it is very important that you have the right restaurant/bar liability
coverage. If you serve alcoholic beverages, provide delivery service, or utilize
bouncers you should look into the following coverages. While trying to best serve
your customers do not dismiss the hidden risks of providing these perks!
GENERAL LIABILITY: General Liability insurance provides coverage
that protects against, bodily injury, property damage or personal injury claims
made by someone else. Some things that general liability protects you from are:
- Injuries sustained by patrons while at your restaurant
- Injuries that occur off premises due to your services
- Property damage caused by you or your employees
- Contractual issues
- Advertising
- Problems with your products
There are other more specific exposures that are not covered by general restaurant/bar
liability coverage. General Liability provides coverage only for particular instances;
look into the additional coverages below that can be purchased to ensure you are
correctly insured for all the services you provide.
LIQUOR LIABILITY: Liquor Liability coverage is for bodily injury
or property damage caused by an intoxicated person who was served liquor by the
policyholder.
ASSAULT & BATTERY: Assault & Battery Coverage for third party liability
claims arising out of any assault or battery. Coverage is patron to patron or employee
to patron. Assault & Battery is a very important coverage to have at a bar, nightclub
or lounge in the event of a fight.
HIRED/NON-OWNED VEHICLE LIABILITY: Hired/Non-Owned Vehicle Liability
coverage provides contingent excess liability for Hired (rented) vehicles and Non-Owned
vehicles (vehicles owned by employees and driven for company business.) Hired/Non-Owned
Vehicle Liability limits are the same as the General Liability policy. Hired & Non-owned
coverage is essential for risks that have a delivery service as you can be held
responsible for accidents that your employees get into.
FOOD CONTAMINATION: "Food contamination" coverage protects you
in the event of a patron getting or suspecting that they got food poisoning from
food supplied by you. Check your current policy to see if you are covered for Food
Contamination risks. Food contamination is one of the restaurant industries greatest
areas of risk.
AUTO/VALET LIABILITY: Restaurants, night clubs, bars and lounges
have very specific auto related exposures. Whether you hire a valet service, provide
your own or have a delivery service - these are important factors to consider when
reviewing your insurance. Make sure you protect yourself from the potential problems
that come along with auto liability. Provide your Valet service coverage with Auto/Valet
Liability to insure the brief time you will be utilizing customers' cars.
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