Owning your own restaurant can be a rewarding experience, but there are always risks involved. In California, there are often power outages and wildfires that may affect your business. Having restaurant insurance in California is necessary for running your business with peace of mind.
What Kind of Insurance Do You Need?
There are several types of insurance that you should consider having to fully protect your restaurant. Consider how these packages can help:
- General liability—protects you if a customer is injured at your restaurant.
- Worker’s compensation—covers expenses if an employee is injured at work.
- Liquor liability—protects you if a customer has too much to drink at your restaurant and gets into an accident.
- Property insurance—covers the value of the building and everything in it.
What Other Kinds of Insurance, Would Be Helpful?
There are a few other types of restaurant insurance in California that may be helpful for covering unexpected issues.
- Cyber liability—covers damages from failed computer security.
- Food spoilage—covers the cost of food that may go bad during a power outage.
The restaurant business can be tough, so don’t spend valuable time worrying whether you’ll be able to pay for repairs, replacements, litigation and more. If you have proper restaurant insurance in California, you’ll be prepared for anything that comes your way.