A Restaurant Owner May Face A LawsuitSince you have a growing food truck and restaurant business, your risks double. For example, you may have a customer who experiences an illness after consuming your food. The Centers of Disease Control and Prevention estimated that foodborne diseases cause approximately 76 million illnesses, 325,000 hospitalizations, and 5,000 deaths in the United States each year. We understand you go to great lengths to prepare your food and follow sanitation practices for your business. However, there will be times when a process won’t go according to plan. One restaurant owner faced a lawsuit after a customer’s child fell extremely sick after eating at the establishment. The girl suffered diarrhea and abdominal pain and cramping for over a week, due to E. coli. After further investigation, the health department confirmed that 11 more people that had contracted E. coli after eating there. The parties filed lawsuits against restaurant.
Legal Fees Restaurant Insurance May CoverAttorneys can charge between $100 to $400 per hour, depending on expertise, years of experience, and location. Even if you aren’t found liable in the end, the expense of defending a lawsuit could cause your business to go under. In the long run, restaurant business insurance is meant to cover unforeseen situations, like lawsuits. Do the responsible thing and peg yourself as a true professional with restaurant business insurance. You’ll thank yourself in the end.
Other Risks Restaurant Owners May Face
- Slip and fall accidents
- Liquor liability lawsuits
- Accusations of sexual assault or harassment
- Property damage (i.e. your building catching on fire)
- Power outage leading to food spoilage
Restaurant Business Insurance HighlightsWe offer the following coverage:
- General and Product Liability
May protect against third-party claims, like property damage, bodily injury, or personal injury. For example, if a person injures themselves at your business then you may be held liable.
- Liquor Liability
This type of coverage is for restaurants that manufacture, distribute, sell or serve alcohol to customers. If an employee serves alcohol to a patron and they cause property damage due to intoxication, you may be held liable.
- Excess Liability Insurance
Provides extra financial coverage on top of general liability limits. For example, if your general liability limit is $1,000,000 and you need $5,000,000 to meet specific contract requirements.
- Employment Practices Liability
May protect you from lawsuits regarding wrongful practices in the workplace, such as sexual harassment.
- Commercial Property
May provide coverage if your restaurant is damage due to an incident, such as a fire.
- Food Spoilage
May provide coverage for food loss. For example, if the food in your kitchen spoils overnight because of a power outage.
- Workers Compensation
May provide coverage for an employee if they experience a work-related injury.
- Franchisee Certificate Compliance
Outlines types of coverages that a franchisee needs to obtain.