Are you a restaurant owner or manager?
We have the full menu of policies to keep your restaurant open.
You might be a seasoned chef, a franchise owner, or just building your menu and interested which insurance companies are known to respond most efficiently when a restaurant catches fire, has a slip and fall, or gets sued for intoxication or food poisoning. A restaurateur works hard to provide a relaxing, enjoyable place for people to gather and dine. But what if one of your customers gets hurt or causes an accident. Serious accidents happen, and when they do, you want to be sure your business will not shut down. As your business grows, ask yourself, “What are the hazards that could make my business go up in flames?”
It’s a busy Friday and customers are swarming in to have a bite. Your wait staff is rushing, and the hostess can’t seat quickly enough. A guest slips on her way out. Another guest has an allergic reaction to an unusual ingredient. You receive a phone call from the police alleging someone was involved in a car accident, apparently driving home drunk from your bar. Soon after, you have law suits rushing in against you and attorneys are sending letters demanding hundreds of thousands of dollars. The damage to your restaurant’s reputation is crushing enough, but then you hear from your agent that you didn’t buy enough liability insurance and you have to close your doors to the public. How will you pay your attorney’s fees, court costs and damages that can exceed six figures?
Restaurants and bars run into to these disasters every day resulting in business failure or bankruptcy. As a business owner, you want your regulars to come frequently, while you build your business and get more popular. Boynton Insurance Group has been in business since 1919, and our Restaurant Insurance Specialists can help explain the benefits and important types of coverage designed specifically for the restaurant industry. We offer affordable insurance options to meet your needs today, and in the future as your business grows.
Cautious restaurant owners protect their business with policies such as:
Equipment Breakdown, Food Contamination, and Utility Service Interruption Insurance will be important coverage for your business to have if you have perishable stock. If a power line goes down or a broken piston rod in an air conditioner shuts down the electricity, the food in your refrigerators and freezers will spoil and thousands of dollars of food will go to waste. You may even have to close your business until a contractor can repair the problem. This coverage will help you to replace this wasted food and keep your business running.
Liquor Liability Insurance will be necessary in most states for any establishment holding a liquor license. This insurance helps protect your business if a customer has too much to drink, drives home and hurts themselves or someone else. An accident of this kind could result in a suit for several millions of dollars.
Hired and Non-owned Auto Liability Insurance covers your restaurant if an employee, manager or delivery driver gets into a car accident while on the clock. This coverage is important for fast food restaurants, fine dining establishments, family style diners, and large catering companies alike. If you ask your manager to drop off a bank deposit, pick up supplies, or deliver a food order, your business is at risk if an accident happens. If you rent a car in the business name to help out during the busy catering season, an accident could cost you the replacement cost of the rented truck and the ‘loss of use’ to the rental company. Protect your restaurant by making sure you have this coverage.
Boynton Insurance Group will help you identify particular risks that threaten your restaurant and find solutions for managing and transferring those risks to a leading insurance company that specializes in the restaurant industry. We can help you secure your insurance from a price competitive insurance carrier that knows your business and has an appetite for insuring restaurants. Our agency can provide various types of insurance for your business, including General Liability, Workers Compensation, Liquor Liability, Business Auto, and more. A careful and customized review of your current coverage, business operations, and plans for future business growth will help to understand your insurance options, and strategies to protect your business. Our Restaurant Insurance Specialists are ready to work with you and provide personal consultation to carefully suit your business with an a la carte insurance package.