Hi, my name is Karen. Every quarter, I review all of my insurance plans and get multiple quotes to make sure I am still getting the best deals and services. Seriously, my family laughs at me for this obsession. However, in reviewing our policies so many times, I have learned a lot abut insurance. I decided that I wanted to share that information so I started this blog. In particular, I want to help people who are newbies to the world of insurance. If you are a teen driver, a new homeowner or anyone else buying a policy for the first time, this blog is devoted to you. Please read and enjoy!
When you have a food industry business, you should get a restaurant and cafe insurance in the case of a fire, theft or flood. This type of insurance can help cover the income you lost, and you will not suffer huge losses even if you had to close temporarily. This will give you enough space and time to restore your restaurant to its previous state. This is similar to if a customer or supplier was injured in your restaurant, and they sued you for damages; the insurance will cover you for this as well.
What the Insurance Covers
Types of Restaurants That Get Insured
Restaurant and cafe insurance provides insurance for coffee shops, bakeries, deli, cafes and bistros, pizzerias, fine dining and family style restaurants. They have a wide scope such that almost all kinds of restaurants can get insured.
A restaurant and cafe insurance will benefit your business in a lot of ways. Your insurance will cover building levels and liability. You do not have to pay for any employee liability. They have reasonable fees and low policy excess. You can avail yourself of optional covers like rental income loss and unoccupied property. Your legal expenses will be covered, which means that you will not have to cover the lawyer's fee. The insurance will also pay for the waitresses and barristers, court fees and opponent costs in case it was against you.
Now that you have an understanding of restaurant and cafe insurance, you now know why you need to have it for your restaurant business.Share
22 May 2019