sues you for non-professional negligence, general liability insurance covers your legal costs and any judgments against you.
That incorporates property harm — for instance, a server spilling wine on a visitor’s fur garment — alongside actual injury, like slip-and-fall mishaps.
Additionally, it covers the customer’s medical expenses. Additionally, libel, slander, copyright infringement, plagiarism, and malicious prosecution lawsuits are typically included in this coverage.
Check to see if your general liability insurance also covers product liability, which helps pay for lawsuits arising from food poisoning.
If a covered loss causes damage to your restaurant’s building or its contents, such as kitchen equipment, commercial property insurance helps pay for repairs or rebuilding.
Fire and smoke, wind and hail, vandalism, some kinds of water damage, building collapse, and damage from aircraft or vehicles are all common risks that are covered.
