Restaurant, Coffee Shop, Tavern & Food Trailer Insurance
Small or mobile food service establishments need specific licenses and must follow stringent guidelines for operation. Accordingly, they also have special requirements for insurance.
General Liability can cover food borne illness, slipping and falling, and property damage caused to other businesses
Property covers the building or contents of the establishment and its equipment
Concession Stand coverage for vandalism, fire, wind, and hail damage
Auto, Trailer & Truck liability, property damage, theft, vandalism, collision, fire, hail and collisions
Workers Compensation can cover employee injuries
Liquor Liability Any business that sells or serves alcohol including restaurants, nightclubs, coffee shops, bars, and b.y.o.b venues can be held liable for damages or injuries caused by intoxicated patrons
There are also optional coverages such as loss of income, food spoilage, and excess liability