Purchasing restaurant insurance in California helps you by protecting from risks that come while operating the business. The best choice for most restaurant owners is a comprehensive solution. However, these can vary in regard to what they provide. There are a few policies you should be sure to have.
Worker’s Compensation Insurance
This type of insurance helps to cover the expenses required if an employee is injured on the job. It can cover a percentage of lost wages, as well as any necessary medical costs.
Business Owner’s Policy
This is a liability restaurant insurance in California and covers many common issues that can crop up. If a customer falls and is injured, this is the protection that assists you. It can also cover damage created through storms, fire, or lawsuits.
Business Crime Insurance
Crime insurance for a business helps keep you protected in the event that an employee engages in theft. It can also provide needed protection against forgery and robbery.
Restaurant Vehicle Insurance
If your restaurant operates deliveries, this restaurant insurance in California is likely warranted. It covers vehicles owned by the company, as well as any personal vehicles that are used to engage in restaurant related tasks.
These are the top four insurance policies needed by a restaurant. Some companies may also have specialized needs. Your insurance provider can walk you through any other insurance offerings that will protect your business.