Restaurant liability insurance coverages provide protection against claims that accuse a restaurant of causing harm or property damage. Some restaurant liability insurance coverages that a restaurant policy might have include:

• General Liability Coverage, which can provide protection against many common risks
• Product Liability Coverage, which may protect a restaurant from claims that it’s responsible for spreading a food-borne illness
• Liquor Liability Coverage, which might protect a restaurant against claims arising from alcohol-related incidents
• Hired and Non-Owned Vehicles Liability Coverage, which may protect a restaurant from incidents involving delivery drivers who used their personal vehicles for work
• Cyber Liability Coverage, which might help cover the costs associated with a data breach that compromises customers’ information
• Umbrella Liability Coverage, which is often used to supplement other restaurant liability insurance coverages

Commercial property insurance coverages provide protection for a restaurant’s property. A restaurant policy might provide several of the following property coverages:

• Building Coverage, which is typically used to insure buildings that businesses own
• Contents Coverage, which might protect equipment and furniture a restaurant owns
• Food Contamination Coverage, which may reimburse a restaurant for food inventory that spoils during a covered incident
• Equipment Breakdown Coverage, which might pay for repairs if equipment breaks down during a covered incident

Do Restaurant Policies Include Workers Compensation Insurance?

Restaurant policies usually don’t include workers compensation insurance. Most restaurants need this coverage, because businesses in Massachusetts that have employees are generally required to carry workers compensation insurance. Workers compensation policies, however, are typically purchased separately as stand-alone policies.

Health insurance and unemployment insurance are two other coverages that normally can only be purchased apart from a restaurant policy.

What Kinds of Incidents Do Restaurant Policies Protect Against?

Precisely what incidents a restaurant policy covers depend on the policy’s terms, conditions, and exclusions. With robust coverages in place, a restaurant might be protected from many different risks, including everything from fire and theft to disease outbreaks and false advertising lawsuits.

What Worcester, MA Restaurants Should Consider Getting a Restaurant Policy?

Most restaurants in Worcester, MA stand to benefit from getting a restaurant policy. After all, virtually all restaurants have equipment and food that would be expensive to replace, and any business could be named in a liability lawsuit.

How Can Worcester, MA Restaurants Get Restaurant Insurance?

Restaurants in Worcester, MA that want help finding restaurant insurance should contact an independent insurance agent. An independent agent can help assess a particular restaurant’s insurance needs and compare policies from different Massachusetts insurers that meet those needs. Because independent agents aren’t obligated to promote a specific insurance company, restaurant owners can be confident in the policy they select after comparing options with an independent agent.