Basic Coverage that Restaurant Owners Need!

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At Shields, we are equipped to help restaurants as well as caterers, food trucks, and coffee shops. As an owner of one of these types of businesses within the hospitality industry, you know that your exposures are unique based on the type of work that you do. Because of this, an insurance plan for a restaurant isn’t a one-size-fits-all kind of gig. There are a few things you need to know as a restaurant owner when it comes to insurance!


What types of basic coverage you need

  • Building and Personal Property: It’s critical you buy the right kind of Commercial Property insurance to protect your building, the build-out and/or your equipment and contents.


  • Workers Compensation: In most states, businesses are required to abide by state workers compensation laws, which obligates the employer to pay for any medical expenses and lost wages related to work-related injuries or illnesses.
  • Business Auto: Restaurants often have workers driving to and from catering sites, between locations or running errands. Auto accidents are one of the most common causes of major liability losses so it’s important to address this exposure, even if your workers are driving their own autos (rather than company autos).



Factors that affect the cost of insurance

You might not think about it, but the cost of your insurance plan can vary based on factors. When getting your quote for coverage it’s important to remember that these things can play into how much your plan costs:

  • Location
  • Hours of Operation
  • Number of Years in business
  • Volume of Sales or Payroll
  • Size of property


How to get Insurance

That’s simple! Call Shields Insurance. We are an Independent Insurance Agency and are licensed to write property & casualty insurance in AL, FL, GA, MS, and LA. We make sure to get you the right amount of coverage to protect your business. Give us a call today! (205) 783-5893


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