Even if you only have one employee, you are still required to carry it in some states. If an employee becomes ill or injured while performing their job duties.
Workers’ compensation insurance helps cover their medical expenses and lost wages. In addition, it typically shields the restaurant owner from lawsuits brought by employees.
General Liability Insurance In the event that a client sues you for non-professional negligence, general liability insurance covers your legal costs and any judgments against you.
This includes physical injuries like slip-and-fall accidents and property damage like a waiter spilling wine on a guest’s fur coat. 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.
