How can you protect your new restaurant or coffee shop from risks? Setting up your new business means taking steps to provide a service. You’ve invested in equipment, in training employees and in those well-developed recipes. You’ve spent money and time marketing. And you’ve created an establishment you are proud of. Without the right type of business insurance in place, though, you could be putting this all on the line. Do you have the right type and amount of coverage in place, especially general liability insurance?
What Are Your Risks?
General liability insurance provides protection against claims made against your company for which you are considered responsible. In a restaurant or coffee shop, the risks are numerous.
- Your customer may slip and fall, leading to costly medical bills.
- Your employee may create an order improperly for a customer, exposing that individual to an allergy threat.
- An employee may spill hot coffee on a customer.
There are many more risks, but there are also steps you can take to minimize them. Properly training employees is one step. You can also ensure your property is well organized and a safe place to work. But with general liability insurance in place, you minimize many of these risks from leading to costly mistakes that could shutter your business.
General liability insurance can help you to minimize many risks. It provides for bodily injury coverage and lawsuits brought on by employee mistakes. It can also help with mistakes related to business liabilities such as advertising mistakes, libel and slander claims and even property damage lawsuits. This type of business insurance can help you to defend against such claims if they are made against your company, as well as payout settlements or required coverage when and if a claim is proven to be accurate.
How do you get the right type of general liability insurance in place? The first step to accomplishing this is calling your business insurance agent. You need a customized policy that takes into consideration of your restaurant or coffee shop, including the types of threats you’ll most likely face. The right policy can help you to keep your business on track, while also ensuring you have peace of mind as you open that door for the first time to meet your customers’ needs.
Get the coverage you need. Call Amistad Insurance Services at (919) 926-7166 for more information on Raleigh general liability insurance.