What Buffets And Cafeterias Are All About:
Businesses that work in this industry prepare and serve meals using buffet or cafeteria-style serving methods.
What type of insurance does this industry need?
- General Liability: This policy protects your business in case of third party claims, such as bodily injury or property damage. For example, the common "slip-and-fall" claim would be covered by your General Liability policy. General Liability insurance is often considered to be the core coverage, particularly for businesses that regularly physically interact with customers or sell physical goods. In addition, many businesses have a contract, like a loan or a lease, requiring that they have this coverage.
- Disability Insurance: Disability insurance covers a portion of an employee’s income when they lose their ability to work due to a non work-related illness or injury. There are two types: short-term and long-term disability plans. Employers are required to offer Disability insurance in some states, so it's good to check local regulations. In addition, Disability insurance can be valuable for those in highly skilled or physical professions, such as surgeons or contractors.
