Insurance for Food Service Contractors

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What Insurance Do Food Service Contractors Need?

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Business Owners Policy (BOP)

BOP Insurance is a package that combines the coverage of multiple products such as Commercial Property, General Liability and Business Interruption into one. This means that BOP will cover property damage, liability claims related to injuries and income losses if your restaurant is forced to close temporarily among other things.

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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!

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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.

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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.

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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.

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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.

Frequently Asked Questions

Why do Food Service Contractors need insurance?

This industry consists of individuals that provide food services for a specified period of time. Examples of these establishments include airline food services, concession contractors (e.g. at sporting, entertainment, convention facilities), and cafeteria food services (e.g. at schools, hospitals, government offices).

Your business should be protected from any risks and liabilities, and having insurance will be able to do that. Your insurance will be able to protect your profits and personal assets so when a covered risk happens, the insurance will kick and cover the expenses.

What risks do Food Service Contractors face?

Food service contractors can face a lot of risks. Here are some of those:

  • The food you served cause your customers to feel sick.
  • Your customer slips and causes them injury.
  • One of your staff complains and files for discrimination.
  • Property damage that occurs in your business.

How much does insurance for Food Service Contractors cost?

The cost of your insurance varies on the type of services you offer, the number of employees you have and many other factors. There is no fixed cost for the type of your business, so to find out the cost of your insurance, apply online to get a free quote or contact our customer service representatives.

What are the insurance covers that restaurant businesses like me usually get?

Are You Ready to Get Covered?

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