The Ins and Outs of Commercial Insurance For Restaurants
It’s no secret - running a restaurant is challenging. Not only do you have to worry about staff, food quality, and the customer experience, but you’re also managing the complex ins and outs of running a business. And then there’s the taxes, profitability, and regulations which take up a substantial amount of time and energy for business owners. The State of California then also requires restaurants to purchase commercial insurance to protect against scenarios like property damage and potential customer injuries. Don’t let your insurance coverage fall through the cracks. The Weiser Agency goes the extra mile in covering all your bases – here are some perspectives restaurant owners might not have considered while pursuing commercial insurance.
Cheers… To Full Coverage at The Bar
Liquor liability insurance protects businesses that sell or serve alcohol - such as an overserved patron getting into an altercation or an auto accident after a guest leaves your facilities. When a policy includes liquor liability, it covers any property damage and bodily injuries caused by the potential effects of alcohol. Don’t let your business be negatively affected by legal costs, medical bills, repairs, settlements, and judgments if you become liable for a liquor-related situation. When you work with Weiser, you work with a team committed to your success, even when it comes to preventative measures.
The Right Insurance Could Save Your Business
The Central Coast weather might be quintessential, but it isn’t without its threats. Imagine: a nasty wind storm knocks a tree into your building, and you need to close for a week (or longer) for repairs. How would you replace your lost business income while continuing to pay your key team members? Business interruption insurance works in conjunction with your commercial property insurance. Always ensure your business is protected financially in the event of a forced closure due to an unexpected problem.
Protect Your Business
The legal costs of employment-related claims can be staggering – and they’re on the rise. Employment practices liability insurance, known as EPLI, provides coverage to employers against claims made by employees. Claims can range from alleged discrimination, harassment, and wrongful termination. Small or new businesses are often the most vulnerable to these employment claims; Weiser’s plans ensure your protection in the event of an EPLI claim.
Here to Help
At The Weiser Agency, our aim is to help you mitigate the risks of owning and operating a business. Our goal: give you peace of mind that your business is protected. We offer commercial insurance products, including property and casualty, workers compensation, and management liability. Connect with us today - we’d love to have a conversation about your commercial insurance needs.