Insurance Restaurant

Special Insurance Issues For Restaurant Owners

A restaurant business is also an intense insurance risk.

Kitchen Fires -

Prevention is your best safeguard! Grease presents a high risk of both starting a fire and fuelling a fire started from another source.    Note: As of January 1, 2008, Texas Insurance Code requires commercial cooking areas be protected by a UL 300 Wet Foam system.

Insurance For Restaurant

Electrical Fire -

Second to a cooking or a grease fire, overloaded or malfunctioning electrical equipment is a particular risk for restaurants.

Slip & Fall Lawsuits -

While having a customer slip and fall is a risk for any business open to the public, restaurants are at particular risk because of the large number of customer visits and the added hazard of food spills. General Liability Insurance protection is critical for your risk to the public. Potential food spills need a response plan and equipment ready.

Food Related Lawsuits -

Restaurant owners can be sued after a customer becomes ill after eating and contracting a food borne illness. Safe handling of food is an important priority for any restaurant. Know your food product sources. Keep your food preparation areas clean and uncontaminated.

Property Risks -

Operating a restaurant often includes considerable equipment, building improvements and food stock.

Employee Injury Lawsuits -

A food establishment is very much a people driven business. Food preparation has some inherent hazards for employee injuries. Minimize the kitchen risks with appropriate training and safety appliances. Worker’s Compensation Insurance is critical liability protection for any employer. Conclusion

Prevention is your best insurance in the restaurant business! Buy appropriate commercial insurance protection to help make your food service venture a safer investment.

Article Source: http://EzineArticles.com/?expert=David_Crump