Restaurant owners face a number of risks in their daily operations that include exposures such as premises liability and property damage covered by a standard insurance program. But there are many other risks that require the responsiveness of a special Restaurant Package.
For example, restaurants with a liquor liability exposure typically won’t be covered under a General Liability policy. In addition, if a restaurant has significant liquor receipts, it may be difficult to secure Liquor Liability coverage if a specialized program is not in place.
Food contamination is another area requiring consideration as well as the loss of income involved as a result of the contamination. Cyber threats including data breaches are more prevalent today and require specialized coverage. Employee disputes including allegations of harassment and discrimination are exposures all types of restaurant establishments face, making Employment Practices Liability Insurance (EPLI) critical.
Today’s liability judgments and settlements are high and require securing proper General Liability coverage as well as Umbrella insurance to step in and respond once the limits on the underlying policy are exhausted.
Distinguished offers a Restaurant Package that will deliver for you and your clients. We’ve provided a few case studies for you to take a look at to see how our insurance program provides solutions that respond to the needs of the restaurant industry.
