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Cafeteria Insurance

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What Insurance Do Cafeteria Need?

Business Owners Policy (BOP)

BOP Insurance protects restaurants against property damage or loss, such as damage from a fire or burglaries. BOP also covers liability claims related to injuries sustained while on the restaurant premises. BOP Insurance also covers business interruption losses if your restaurant is forced to close temporarily.

Workers Compensation

Workers Compensation covers your employees' medical costs and lost wages while recovering from a work-related injury or illness. The employee gives up the right to sue your company in return for receiving cash and benefits from Workers Compensation. In some states it’s mandatory for businesses!

Cyber Liability

This insurance covers a company in the event of a data breach in which sensitive customer information is leaked. These policies cover expenses, such as notification costs, credit monitoring, fines and penalties, defense costs, and loss resulting from identify theft.

Commercial Auto

Commercial Auto Insurance covers your cars, trucks, and vans used in your business. It covers the costs from vehicle damage in collisions, theft, vandalism and weather damage. It also covers medical expenses for to injured parties.

Liquor Liability

Liquor Liability Insurance protects a small business that manufactures, sells or serves alcohol. Small business owners are protected from claims that occur when a customer drinks too much and injures himself or someone else.

Product Liability

Product Liability insurance covers your business if you need to recall one of your products. It covers your costs for retrieving the defective product from the manufacturer or seller to prevent any further bodily injury or property damage.

Employment Practices Liability Insurance (EPLI)

Frequently Asked Questions

Why do Cafeterias and Buffets need insurance?

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.

What risks do Cafeterias and Buffets face?

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.

How much does Cafeteria Insurance cost?

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.

Are You Ready to Get Covered?

Prefer to speak with a CoverWallet consultant? Call

(585) 460-2602