From cooking and serving meals to making deliveries and catering events, a restaurant is a hub of different activities. In the midst of it all, plumbing can rupture, customers can fall on damaged flooring, and other mishaps may occur. Having the proper types of restaurant insurance in place will provide owners with financial peace of mind if the unexpected happens. Below, learn more about the types of commercial insurance policies to consider.

What Insurance Plans Should Restaurants Have?

1. General Liability

This type of coverage pays for expenses if a customer or other individual is injured on the premises. A general liability policy picks up the tab for medical costs and any legal claims filed as a result of an injury. Restaurant owners can also customize their plans to cover food-borne illnesses.

2. Workers' Compensation

States require restaurants and other businesses with certain a number of employees to have workers' compensation. Coverage is mandated for businesses with a minimum of one to three or more employees. The policy pays for lost wages, medical expenses, and other related costs to employees who are injured on the job. 

Most commercial insurance plans also include death benefits to families of employees who die while working. When employees are hired and sign on with workers' comp, they typically agree not to sue their employer for injury claims. 

3. Property Insurance

If kitchen appliances, plumbing, and other restaurant equipment sustain damage, property insurance will cover the repairs or replacement. Depending on the policy, perils such as fires, flooding, theft, and vandalism are also covered. If the damage is caused by heavy storms, hail, wind, snow, and other natural disasters, most commercial insurance providers will pay the restoration costs. 

4. Liquor Liability

Restaurants that serve alcoholic beverages also need protection from intoxication matters. For example, if a customer becomes inebriated and causes property damage, liquor liability insurance will typically pay for the repair or replacement costs. 

Most policies also include financial coverage if intoxication leads to injuring other restaurant patrons. Their medical costs and legal claims will be paid by the insurance provider. 

5. Business Auto Insurance

Commercial auto insurance is also needed if your restaurant uses vehicles for food deliveries and catering services. A standard policy covers the employees and vehicles if an auto accident occurs. Depending on who was at fault, coverage may also pay for damages and medical costs to other vehicles and passengers involved in the accident. 

When it comes to helping restaurant and other business owners safeguard their investments, Clark Insurance in Thomaston, GA, has the experience to provide customized coverage. Serving Upson County for 25 years, the independent agency partners with leading commercial insurance carriers to give you affordable and reliable financial protection. To get started, call (706) 647-4048 for no-obligation insurance quotes. More information is also available online.