Restaurants on the Edge: One Incident Shouldn’t Close Your Doors

Boynton Insurance Group | Protecting Main Street – Part 3

Running a restaurant means managing constant risk—from fires in the kitchen to lawsuits at the front of house. And in the fast-paced world of food service, even a single incident can force a temporary (or permanent) shutdown if you’re not properly insured.

Whether you operate a food truck, family diner, or fine dining establishment, the right coverage can keep your business cooking even when trouble strikes.

1. Property Protection: Your Kitchen Is Your Lifeline

A small fire, burst pipe, or equipment breakdown can shut down operations fast. Commercial property insurance helps pay for repairs or replacement of your kitchen equipment, furniture, and fixtures.

Covered incidents often include:

• Grease fires

• Storm or water damage

• Theft or vandalism

2. General & Liquor Liability: Covering the Unexpected

Slips, falls, or food-related illnesses can lead to lawsuits. If you serve alcohol, the risk increases—one incident involving an intoxicated patron can result in major liability.

General liability covers bodily injury and property damage claims. Liquor liability covers damages related to alcohol service.

Example claims:

• A customer gets sick from improperly stored food

• A patron slips on a wet floor near the bar

• A drunk customer causes an accident after leaving your establishment

3. Business Interruption: Keep Cash Flowing When You Can’t Serve

If your restaurant must temporarily close due to a covered event, business interruption insurance replaces lost income and helps you stay on top of payroll, rent, and bills while you recover.

This is especially vital for restaurants with thin margins and tight operating budgets.

4. Protecting Your People: Workers’ Compensation

From burns to cuts to back injuries, restaurant staff are prone to on-the-job accidents. Workers’ compensation insurance ensures your employees get the care they need—and protects your business from costly legal claims.

Why Restaurants Trust Boynton

At Boynton Insurance Group, we specialize in helping food service businesses handle risk with confidence. We’ll work with you to identify vulnerabilities and build a plan that protects your space, your staff, and your reputation.

You get:

✅ Fast, responsive support when an incident occurs

✅ Flexible plans for dine-in, takeout, delivery, and catering

✅ Expertise navigating liquor laws and local risk factors

Your menu may change—but your protection shouldn’t be left to chance. Let Boynton help you serve with confidence, no matter what’s on the plate.

👉 Get in touch today to build the right restaurant insurance package.

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