There are so many ways you and your restaurant might face liability resulting from accidents. It is important to have insurance as a way to manage risk in the restaurant business. Here are a few scenarios that an insurance policy might cover.
Injuries to Customers
Customers to your restaurant might get injured any number of ways. From choking on food to slipping in the bathroom, a customer could break a wrist or get a concussion. Any injury could lead to thousands of dollars in hospital bills.
Injuries to Workers
Workers at your restaurant might get hurt on the job. It’s relatively easy to cut or burn oneself in the kitchen or trip on the lip of the walk-in freezer. Workers’ compensation covers some expenses, but a lawsuit could lead to additional costs well above what is covered, including hospital bills and lost wages.
Injuries to Visitors
Delivery personnel and passersby could get injured at your restaurant any number of ways. An icy walkway or a distracted beverage distributor behind the wheel could easily lead to pain, suffering and legal fees.
Every restaurant owner should protect his or her business from liability resulting from injuries to workers, customers and visitors. An insurance policy is a good way to accomplish this goal.