A comprehensive General Liability policy can be customized to suit your specific industry

General Liability Insurance helps put your mind at ease

Luckily, a comprehensive General Liability policy can be customized to suit your specific industry and challenges so it will effectively protect your unique business and secure your future success. With General Liability Insurance, you’ll know you’re protected up to the amount of your policy – regardless of how much or how little income your business brings in.

Key Benefits & Features

General Liability Insurance protects your food service business and your employees from claims and lawsuits filed against you. Knowing your company can make it through an expensive legal battle or handle a financial loss in the event you’re found liable is priceless. Even moderate court fees can cripple a small business. Regardless of how successful your company is, chances are you aren’t prepared to fund the upfront expense of a lawsuit while also juggling the cost of daily operations.

Bodily Injury Claims

Food services is a fast-paced and dynamic industry and the potential for accidents leading to physical injury is high. Whether its foodborne illness, burns, slips, or falls – there’s always a risk your customers could get hurt during normal operations. While you can’t necessarily prevent an accident, you can be prepared to handle the fees and expenses associated with an accident claim by purchasing adequate General Liability Insurance.

Property Damage Claims

With General Liability Insurance coverage, your restaurants are protected if your equipment or employees cause property damage at an off-site location. This feature is especially important if you’re a professional caterer or even a bar or restaurant that occasionally caters off-site events.

Liquor Liability Coverage

If you’re a food service business that doesn’t generally serve alcohol but occasionally offers it for parties or events (on or off-site) you may be adequately covered by your General Liability Insurance. However, if your business sells or provides alcoholic beverages as part of your general operations, you should consider purchasing separate Liquor Liability Insurance to make sure you have satisfactory coverage in the event of an alcohol-related claim being brought against you.

Personal & Advertising Injury Claims

If you use advertising to promote your business, you need advertising and personal injury protection. Not only will you be protecting your business in the event that you’re accused of copying or infringing on another company’s trademark, copyright, or branded materials, but you’ll also be protected in the event that someone sues you for libel or slander.

Medical Expenses Claims

Personal injury claims by patrons and third-party businesses often begin with a smaller medical claim. Rather than allowing an accident-related injury to go unattended, General Liability insurers will usually pay for a claimants’ medical care and evaluations in the hope that it will prevent a lawsuit later. It’s important to note that this coverage does not extend to your employees. To protect your business in the event an injury or accident befalls one of your employees, consider getting separate Worker’s Compensation Insurance.

Don’t leave your food service business vulnerable to unnecessary financial loss as the result of an accident, injury, or damage claim. Contact our experts for a comprehensive review of your current General Liability Insurance coverage and make sure you’re adequately protected.