You have spent significant time and energy establishing your restaurant or bar. You developed an atmosphere, perfect recipes, and built a reputation. But, if you don’t have restaurant and bar insurance, you are risking all of your hard work.
In today’s world, the food industry is a thriving yet complex environment. Things quickly change, and you need to ensure you have adequate protection if something bad comes your way.
If you are unsure how sufficient your restaurant and bar insurance is or have questions about obtaining coverage, reach out to Lake Region Insurance Agency today. We have decades of experience serving people and businesses throughout Minnesota. With offices in Willmar, New London, and Cokato, MN, we are here to help.
Restaurant and bar insurance is different from the coverage for other types of businesses or industries. For starters, because they may serve alcohol, these establishments need specific policies in place to protect them. And because of food safety issues, there is another layer of protection that the food industry needs.
For example, what if a patron drinks too much on-site and then gets in an accident? Or what if an employee doesn’t store food properly, and someone gets sick?
As the owner of the restaurant or bar, you could be liable for damages caused in these and other situations. Restaurant and bar insurance covers you and protects you from having to pay out of pocket.
There are a variety of choices available to restaurants and bars. Your policy needs will depend on what you offer. A few coverages these business owners should consider are:
Whether your establishment is a small Mom-and-Pop diner or a national chain, you face similar risks and need coverage. Some typical types of establishments that need restaurant and bar insurance are:
If you have a bar or restaurant and want to ensure you have adequate protection, call Lake Region Insurance Agency today. We will work with you to create a comprehensive plan that protects you, your employees, and your hard work.