Most of the time, restaurant insurance is a collection of small business insurance policies that each cover different risks that the restaurant business faces.
Some coverages may be necessary for your restaurant while others may not.
A sandwich shop that delivers sandwiches, for instance, will have different requirements than a pub that serves beer.
The following are typical kinds of insurance that many restaurant owners need.
In most states, businesses with more than a certain number of employees are required to have workers’ compensation insurance.
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.
