Koverage Insurance Group Restaurant Insurance
Owning a restaurant in or around Enfield CT comes with a tremendous amount of risk that you need to mitigate. One unforeseen event can leave you and your business reeling. Sometimes, that single event can put you out of business for good. The Koverage Insurance Group offers restaurant insurance in Connecticut that will keep your business going and growing.
What Kind of Business Insurance Does a Restaurant Need?
Restaurants aren’t like many other businesses. Since they prepare and serve food, they have additional risk factors and safety concerns not seen in many other industries. Because of that, there are several insurance coverage options that are essential to restaurants.
Here are some coverage options you must have for your business:
- General liability
- Product liability
- Workers compensation
- Loss of business income
- Business interruption
- Identify theft
- Employee fraud
- Business personal property
- Equipment breakdown
- E&O liability
- Commercial vehicle
- Food borne illness
This isn’t an exhaustive list. Luckily, it’s often possible to get business insurance in packages tailored to restaurants around Enfield CT. However, the specific packages and coverage options for your restaurant will require you to speak with an agent to outline a robust risk assessment.
The needs of a taco truck vendor have some similarities to the needs of a sit-down Asian restaurant, but the degree of coverage needed for each can vary widely. For example, a single man operation may not need workers compensation insurance, but an operation that hires a larger staff definitely must have it.
In addition, employees come with even more insurance considerations. Equally, the insurance needs of someone who runs multiple restaurants will differ from someone who operates a single venue. In all these cases, you will need the right restaurant insurance to protect you from the many, many eventualities that come with running a restaurant.
Don’t let your insurance needs scare you. Running a restaurant in Connecticut is a rewarding venture. You just want to make sure an unforeseen accident doesn’t ruin that rewarding experience. Contact the Koverage Insurance Group today to discuss your restaurant insurance options.