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Having the right insurance for your Restaurant protects your business against property damage, liability, or lost income. It’s also a major investment, so it is important that you understand just what your restaurant insurance policy covers and what it doesn’t. Here’s a brief overview of restaurant coverage so you can be sure your business has the protection it needs.
Starting a business is hard work. Keeping it running while maintaining a profit is even harder. The last thing you want is to watch all your careful planning and effort go down the drain because of theft, fire, or legal matters. Problems happen no matter how hard you try to keep everything perfect, and they’re rarely your fault. That’s why it’s so important to invest in the right insurance for your business. Restaurant insurance applies to a variety of business types, including:
No matter what your restaurant looks like, insurance can help protect the business you’ve worked so hard to build.
Restaurant insurance packages usually cover a range of necessities to make sure your business is protected in various situations. A few of the common coverage types that you’re likely to see in your policy include:
Most standard restaurant insurance policies do not include flood or earthquake coverage. If your restaurant is near water or in a location vulnerable to earthquakes, you should take a look at flood or earthquake insurance to make sure you’re covered in all scenarios.
Next, consider if you’ve decorated your restaurant with fine arts, antiques, or collections of valuable memorabilia. These touches are a great way to set the mood and draw a crowd, but they’re also expensive and often unique. Most restaurant insurance policies won’t cover your valuable décor, so you should consider investing in fine arts and collections protection to make sure those items are covered in the case of theft or damage.
With the right protection in place, you can have peace of mind while focusing on what’s most important: serving great food and drinks to your valued customers. For restaurant and business owners in New Jersey and around the country, Muller Insurance offers quality service and will help you find policies to fit your needs. Contact us to find out more about restaurant insurance.
If you’re here in Lancaster County Pennsylvania and are interested in learning more about restaurant insurance or getting a no commitment quote, please contact Jay Gandy at Martin Insurance Agency for more information.