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Types of Insurance Solutions for Restaurants

Restaurant insurance typically encompasses several types of coverage, each designed to address specific risks:

• General Liability Insurance: This covers third-party bodily injury and property damage claims. For instance, if a customer slips and falls, this insurance can cover legal fees and medical expenses.
• Property Insurance: Protects your physical assets, including the building, equipment, and inventory, against risks like fire, theft, or vandalism.
• Business Interruption Insurance: Compensates for lost income if your restaurant must temporarily close due to a covered peril, such as a fire.
• Workers' Compensation Insurance: Mandatory in most states, this covers medical expenses and lost wages for employees injured on the job.
• Liquor Liability Insurance: Essential for establishments serving alcohol, this covers claims related to alcohol-related incidents.