If you have a restaurant you need to get the proper coverage
for protecting you from potential lawsuits or others. That’s why we will
discuss California restaurant
insurance.
Let’s start with the basics of state farm restaurant insurance and what a typical
package includes. Then, we will dig into the more specifics.
What Is California
Restaurant Insurance?
We can define a restaurant insurance as a policy designed to
cover the involved components in a restaurant, including the property &
supplies and employees & customers.
Of course, serving food relates to concerns about protecting
their health. However, restaurant operation has different risks to consider.
Types of California
Restaurant Insurance
It is important to know what coverage a restaurant owner really
needs. A typical package of restaurant insurance looks something like these:
1. General Liability
Firstly, it protects against lawsuit
related to property damage or injury done by the business.
2. Worker’s Compensation
If your employees are ill, get
injured, or even die from a work-related incident, this restaurant insurance in California covers the
financial ramifications.
3. Property Insurance
Besides that, this California restaurant insurance covers damages to the
physical building housing your restaurant.
4. Business Income
Then, this one covers the financial loss when a
business is closed because of fire damage or other types of disasters.
5. Ordinance and Law
Furthermore, this covers the financial ramifications if
your restaurant is not accordance to current state code.
6. Boiler and Machinery
Meanwhile, this covers electric equipment in the
building breaking down due to power surges, etc.
7. Spoilage
Clearly, it takes care of the replacement cost of
spoiled food due to power outages caused by surges, storms, etc.
8. Communicable Disease
Last, it covers illnesses transmitted to customers because
of improper hygiene of employees.
Optional Add-ons to
California Restaurant Insurance
However, that California
restaurant insurance package may not meet your needs. So, you need
business auto insurance, coverage for signage, art floater insurance, or liquor
liability insurance.