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Florida Restaurant Insurance quote and information.
- Why is insurance for restaurants important?
- What kind of property exposure is there?
- What about customer liabilty?
- How about possible crime?
- What if I want to sell alcohol?
Why is insurance for restaurants important?
Restaurants offer a full menu of food items and may or may not also offer alcoholic
beverages. A restaurant may specialize in a specific type of cuisine or may serve a general menu. Additional
exposures may develop from music or entertainment, various promotions, and events. Some may have small dance
areas.
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What kind of property exposure is there?
In most restaurant insurance programs, property exposure is substantial. The major hazards come from the cooking aspect of the operation. The more
grease laden vapor that is produced, the greater the exposure to potential fire. All grills and deep fat fryers must have
fire extinguishing protection, hoods and filters. There should be fuel shut offs and adequate hand-held fire
extinguishers. The kitchen must be kept grease free to prevent the spread of fire and also to protect Florida employees.
Kitchen cleanliness is the best prevention to fire. Most restaurants are tenants, so Business Personal Property is the
major exposure. Business income losses can be minimized if there is an alternative location to continue operations
and not lose customers, depending on the restaurant insurance program. Returning to normal operations after a loss is difficult and there can be substantial lag time
between reopening and returning to full income if regular customers have moved to a new "favorite" restaurant.
How about possible crime and commercial restaurant insurance?
Florida restaurant insurance can help with crime exposures. These are dependent on the money and stock available to steal. If the Florida restaurant uses expensive cuts of
meat or provides alcohol, theft of stock could be a problem. If the cash receipts are high, both employee dishonesty
and holdup are concerns that must be addressed.
What about customer liabilty?
Premises liability losses occur from spilled food and also from interaction between the serving staff and the
customer. All Florida employees must be instructed in proper customer handling, including how to deal with disgruntled or
overly enthusiastic customers. This is is often covered by restaurant liability insurance.
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What if I want to sell alcohol?
Liquor liability losses depend on the amount and type of alcohol served and the adherence to strict policies on who
can be served and how much they can be served. Employees who serve alcohol should complete training courses in
recognizing intoxication problems and dealing with customers. Programs that encourage designated Florida drivers or offer
free taxi service can be useful. Restaurant liability insurance maybe more expensive if alcohol is sold.
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Florida Restaurant Insurance Quick Question
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