Restaurant Business Insurance

Kitchen safety is essential for your restaurant business. Whether it is knife lacerations or burns from hot oil, injuries are common, and will lead to claims that cost you time, money, and put your employees out of work. Workers’ compensation Insurance helps pay bills associated with a work-related injury, including medical care and lost wages. It’s almost always required by law if you have employees.

THREE’s insurance policy for restaurants automatically includes Workers’ Compensation - to make sure your business and your employees are protected.

Workers’ Compensation can protect against medical bills and lost wages from workplace injuries. But to protect your business from allegations of sexual harassment and discrimination by coworkers, or wrongful termination claims, you will need Employment Practices Liability Insurance (EPLI).

Most restaurant or bar owners may not realize that coverage for claims made against them by employees are not typically covered under General Liability, and going without EPLI can be a costly decision.

When it comes to owning a restaurant, anything from a grease fire to a natural disaster can throw your business into a state of turmoil. Being unable to serve customers because of damage from a flood, or because of food spoilage after a power outage, can be costly to your business and your reputation.

THREE’s Property Insurance provides financial protection against the hefty repair bills and restoration expense, and covers the cost of business interruption if you have to briefly shut down.

One of your intoxicated customers gets into a fight and injures another diner while at your restaurant. Or a hacker gets unauthorized access to the network supporting your payments, and cardholder and card information is leaked. Risk is always on the menu for restaurant businesses and having both Liquor Liability and Cyber Liability coverage automatically included in a THREE policy keeps your business protected against these potential risks.