If You Own A Restaurant, You NEED Insurance For Fast Food Restaurants

Do You Have Insurance For Fast Food Restaurants?

Having Insurance For Fast Food Restaurants Will Save You A Considerable Amount in Liabilities!

Do you have insurance for fast food restaurants?  If you own a restaurant, cafe, or bar - then you NEED the right insurance!  Did you know that Benchmark Broker is able to write insurance in multiple niches and markets? 

That means you can get the RIGHT insurance for your needs! 

What Is Insurance For Fast Food Restaurants?

In short, this type of insurance is designed to meet the individual needs of businesses in the food and beverage industry.  For example, if your worker gets injured while on the job, whether they accidentally cut their finger or they slip and fall, worker's compensation could help cover the costs.

Or, if there is a kitchen fire that gets out of hand, insurance can also kick in to help cover any damages that might arise.  From food poisoning to customer injury, insurance helps you mitigate potential risks and losses.

Why You Need Insurance For Fast Food Restaurants

Quite simply, anything can happen in a restaurant - from employee injuries, to customer complaints, to even fires breaking out.  Not to mention that restaurants, like other industries, come with at least some degree of certain risk.

The goal is to lower that risk as much as possible and save money, time, and energy on what could potentially be significant losses.

Remember, we make shopping for rates easy!   

Get the right insurance for your needs today! 

Liquor Liability – Why It’s Important

In The Food And Beverage Industry, Liquor Liability Matters

Liquor Liability Helps Keep You Covered

No matter what kind of small business you have, if it is in the food and beverage industry, it is likely you need liquor liability if you sell alcohol. Here's what you need to know:

What Is Liquor Liability?

Liquor Liability, often known as dram shop insurance, is specifically liability insurance for any business that serves, manufactures, distributes, or sells alcohol.  The coverage that liquor liability offers can greatly differ depending on the policy in question and what type of coverage has been sought after.

For instance, consider the following real cases in which coverage has occurred:

  • Someone is served alcohol and then later gets into a car accident
  • A fight occurs on premise
  • Another type of injury occurs, such as a patron following off a bar stool and then hitting their head

As one can see, liquor liability offers many different avenues of coverage.  It is designed to protect the small business in question; not only in terms of asset protection, but future losses and potential lawsuits as well.

Do I Need Liquor Liability?

If you sell alcohol, then you should!  Did you know that if your liquor sales are above 50%, then you need liquor liability insurance aside from general liability.  This can be pricey, but consider the fact that: 

Liquor liability insurance helps to mitigate the risk.

It's singular purpose is to ensure that you are covered, and should something go wrong - you remain covered!   Even if you have not yet hit that 50% range, if you are a business that sells alcohol at all, it may be a viable solution to simply get liquor liability in order to best protect your assets.