You would never choose a commercial refrigeration system for your kitchen without reading reviews or hire a manager without references, an interview, and strong qualifications. After all, you have a restaurant to run, and one wrong move could cost you thousands. At Anton Insurance, we understand the importance of getting things right the first time. That is why we offer first-rate Wisconsin restaurant and tavern insurance designed to safeguard your business, minimize your risk of loss, and protect your bottom line.
We can help acquire coverage for many different types of restaurant and tavern businesses, including:
- Full-service restaurants
- Quick service restaurants
- Cafes and diners
- Pizza parlors
- Delis and sub shops
- Coffee shops
- Sports bars
- And more
Food Industry Risks
Restaurant owners face many of the same hazards as other businesses, such as fire and theft, but they also face some unique risks, as well. There is the possibility of accidentally serving contaminated food or perhaps even developing liability after an employee serves too much alcohol to an intoxicated patron. One big lawsuit or major loss could jeopardize your dream and all you worked so hard to achieve. That is why the team at Anton Insurance works to find a custom-tailored insurance policy that reduces your risk vulnerability and protects the longevity of your restaurant for years to come.
Restaurant and Tavern Risks and Coverage
Our restaurant and tavern insurance options have a solution for nearly any loss scenario you may face. By working with an independent agent at Anton Insurance, you gain the support and guidance of an experienced agent who understands the unique coverage needs of business owners in the food and alcohol service industry. Although coverage types and availability can vary from insurer to insurer, a typical restaurant or tavern insurance policy may include protection for:
General liability insurance, also known as GL, is essential for virtually any business owner. The coverage provides broad protection for incidents that cause third-party injury or property damages. For example, if your cleaning staff fails to put a wet floor sign out after mopping the restrooms, general liability insurance can help cover medical bills, legal fees, and judgments against your restaurant if you are sued for a customer’s slip-and-fall injury.
Workers compensation takes care of your employees when they are injured on the job, regardless of who is at-fault for the accident. This coverage helps pay for necessary medical and rehabilitative expenses, as well as time off work to recover. In addition, it protects your business against liability for the accident, as injured workers who accept workers compensation are generally prevented from suing their employers for additional remuneration.
Property insurance is an important part of any business insurance coverage, as it protects your restaurant’s physical assets against covered losses and damages. Though your policy will specify the types of loss events covered, these typically include damages caused by theft, vandalism, fire, smoke, high winds, fallen objects, and more. Having the right insurance could mean the difference between starting over and rebuilding from scratch, or simply paying your deductible.
Commercial Vehicle Insurance
If you offer delivery services or cater customer events, chances are you need commercial vehicle insurance that protects your business against accident-related losses. Commercial car insurance may help cover repairs to your vehicle if it is damaged in a collision, and it could also protect your restaurant against losses related to financial responsibility after an at-fault accident.
Food Spoilage Coverage
Many of the ingredients used in restaurants are highly perishable. Combined with strict health department regulations, that is a recipe for an expensive loss if you lose power or your refrigeration equipment breaks down. Food spoilage coverage helps protect your business against financial damages when a covered event forces you to throw out your inventory.
Food Contamination Liability
You go to great lengths to ensure you serve patrons food that is both fresh and safe. Even the most knowledgeable food prep team could make mistakes, though, resulting in liability for one or more customers’ illness. With food contamination liability coverage, you are generally protected against foodborne illness liability.
Serving alcohol comes with a lot of responsibility. Though your bar and service team may have completed alcoholic beverage safety training and you may have rules in place to prevent over-intoxication, accidents still happen. For example, imagine a guest arriving already intoxicated and continuing to consume the three beverage limit at your restaurant. He then leaves your restaurant and causes a collision that badly injures another victim. If the victim of that accident sues your restaurant for over-serving the at-fault driver, liquor liability insurance may help protect you against loss.
Equipment Breakdown Coverage
Despite maintaining your equipment, things don’t always work the way they are supposed to. If an employee error or a power surge causes damage to your commercial range, for example, you might be forced to shut the doors to customers until you can afford to repair or replace the equipment. If you have equipment breakdown coverage, however, insurance can help cover your business for these types of unexpected breakdowns.
Commercial Umbrella Insurance
Even with broad, high-limit liability protection, it is still possible that your business could be sued for more damages than your insurance will cover. Commercial umbrella insurance helps cover excess damages when your policy limits are exhausted. Most policies come with millions of dollars in additional liability protection, which could help cover your legal defense fees, court costs, and any judgments against your business.
Restaurant and Tavern Insurance Quotes in Wisconsin
If you own a restaurant or tavern in the greater Columbus, Wisconsin area, let Anton Insurance help you establish affordable insurance protection that safeguards your business income and assets both now and in the future. For more information or to request your quote, contact our office today.