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General Liability insurance protects your business against third-party claims of property damage, personal injury, advertising mistakes and more. The insurance will cover the medical costs, as well as the legal expense and court costs when your business is liable.
If your establishment sells or assists in the purchase of liquor, you need this insurance. Liquor Liability protects your business against liquor liability claims like when a customer gets intoxicated an injures himself or someone else. It will cover your business against claims of property damage or injury that your customer might have caused when they are intoxicated.
Product Liability insurance protects your business against claims of personal injury from the products you sell or supply through your business. This insurance is designed to protect against customer claims of food poisoning, for example, you don't have to pay for the legal or court costs.
Businesses that work in this industry prepare and serve meals using buffet or cafeteria-style serving methods. Cafeterias and buffets need insurance because it helps cover the cost of property damage and liability claims. Without an insurance, you will have to pay out of pocket for the costly damage and legal claims if your business is involved in a lawsuit.
Since your business mostly involves cooking, it could be at risk of fire that could damage your entire property. Your business could be at risk causing food poisoning which could be very devastating for your reputation and financial stability.
There is no fixed cost for the insurance of cafeterias and buffets. To give you an idea on how much your insurance will cost, you may contact our customer service representatives to get a quote.
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