Food and Accommodation Insurance

General liability insurance is required for most restaurant commercial leases. It covers host liquor liability, customer property damage and customer injuries.

Example... A customer suffers food poisoning after eating the food served by your chef. General Liability covers their medical bills and legal fees to defend you in the event of a claim.

Workers Compensation is often found in the hospitality industry as it covers a large team exposed to various risks. If an employee suffers a work-related injury, Workers Comp will cover their medical costs and lost wages while they’re recovering.

Example... A cleaner slips while cleaning a table, leading to injury. She receives Workers Comp and gives up the right to sue you for damages.

Business Owners Policy (BOP) is for business owners in the accommodation, food and beverage industry who want to bundle together general liability and commercial property into one package at a reduced cost.

Example... An employee at your BnB drops a some plates onto a customer’s foot, leading to injury and damage to the stock and the floor. BOP helps cover the related costs.

Commercial Auto protects your commercial vehicles if they’ve involved in road accidents. It also covers damage caused by theft, natural disasters, and vandalism.

Example… Your company car is vandalised after leaving it in a parking lot while on a business visit. Commercial auto will help cover the repair costs.

Before you start your home-based food service business, find out what risks you'll need to cover with your insurance policy.

Food can be such a comfort for your customers. But what happens if one of your customers ends up with food poisoning? Find out how much it'll cost to get you covered for consequences.

Insuring your ice cream truck business doesn't have to be difficult. Once you understand these key coverages you'll need, you’ll be ready to continue putting smiles on your customers faces.

It's an exciting time to open a food truck in Florida. With more tourists exploring the Sunkist State, opportunities are great to open your mobile food truck. But ensure you read this beforehand to help protect your business.