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Safeguarding Your Restaurant with Business Insurance

By Dean Laming on January 3rd, 2024

As a restaurateur, you pour endless passion into crafting dining experiences that delight customers. Having proper restaurant insurance allows you to confidently focus on wowing guests rather than worrying over risks that could derail your livelihood if disaster strikes.

We break down the essential coverages to ensure your restaurant will thrive for the long-term.

The Risks Facing Restaurants

The restaurant trade carries inherent vulnerabilities capable of financially crippling uninsured establishments after routine mishaps. These include:

  • A small kitchen fire erupts into uncontrollable flames that destroy premises and stock, requiring extensive, costly rebuilds.
  • A customer cuts themselves on broken glassware and sues for substantial damages over loss of mobility from tendon injuries.
  • Salmonella traced back to your establishment hospitalises multiple diners, threatening legal claims and permanent closures to decontaminate.
  • Your head chef badly severs their fingers during Friday night food prep, requiring expensive medical care and lost wages while out of work.

The impacts from mundane accidents can spiral rapidly, but with business insurance, you can endure setbacks and resume operations once the dust settles.

Vital Restaurant Insurance Coverages

While specific insurance needs fluctuate based on restaurant size and offerings, there are several essential coverages to consider:

Property Insurance

Safeguards premises, facilities, appliances, fixtures, inventory and all physical assets against losses from causes like fires, storms, floods and break-ins. It enables you to replace damaged assets so business resumes quickly after adversity.

Public Liability Insurance

Covers legal expenses and court judgements if customers have accidents on premises and sue for injury or damages. It protects against common risks like customer slip-and-fall claims or illegitimate lawsuits.

Employer’s Liability Insurance

Legally required coverage for employee injuries or illnesses caused by work duties. It includes lost income payments and healthcare costs, so restaurant operations continue smoothly through staff incidents.

Specialty Insurance

Additional bespoke insurance can shield against risks like food contamination, liquor liability, supply chain disruptions and more based on your restaurant’s offerings.

Maximise Food Safety Protocols

While quality restaurant insurance are key if incidents occur, establishments can also proactively minimise risks through rigorous food safety tactics that prevent contamination and illnesses requiring insurance claims:

Staff Certification – Formally train and certify all staffers interacting with ingredients in HACCP method compliance, allergen diligence and contamination prevention best practices. 

Supplier Audits – Thoroughly vet distributors with site inspections assessing storage, transport and handling procedures to only engage those meeting stringent safety criteria.

Temperature Controls – Maintain diligent temperature logs for fridges, prep stations and ingredient stocks stored on-premises to enable intervention at the first sign readings drift out of food-safe ranges.

Sanitation Schedule – Mandate daily opening and closing sanitisation regimens for facilities and equipment such as thorough wipe downs, dishwasher runs and periodic deep cleaning rotations.

Being dedicated towards incident prevention means insurance serves principally as an emergency fallback plan for rare, unforeseeable events, rather than a regularly tapped claims reserve fund required just to financially stay afloat.

Protect Your Restaurant with Brisco

Here at Brisco Business, we offer tailored restaurant insurance that cover a range of risks, including property damage, business interruption and food contamination.

With decades of hospitality sector expertise, our team helps restaurateurs identify risks and calculate suitable coverage limits, so you can confidently run your restaurant without worrying over what surprises each day might bring.

Get a quote today to cover risks so you can focus on delighting customers rather than financing risks. Let us serve you with peace of mind.

Dean Laming

Dean is a Chartered Insurance Broker with more than 25 years insurance experience. Through various underwriting, operational and management roles, Dean has built up extensive knowledge of how to run a business and is now Managing Director of Brisco Business, part of the wider Henry Seymour Group.

All articles by Dean Laming

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