01 May Charlotte Restaurant Insurance ~ 5 Coverages You Must Consider

Here at Spivey Insurance we can offer offer general and specialized restaurant liability insurance. 

Property Insurance: Protects your property in case of fire or other events. It may not cover natural disasters, such as floods or earthquakes. If you have any kind of mortgage on your business and/or equipment, then you should carry a property insurance policy. 
 

General Liability: This policy protects you in the event someone slips and falls in your restaurant, gets sick after eating there (whether it was your fault or not). This is a must have in today’s sometime sue-happy world. 
 

Liquor Liability: Most states require that any establishment holding a liquor license carry liquor liability as part of their insurance. It helps protect you if a customer has too much to drink and drives and hurts themselves or someone else. 


Workers Compensation: Protects you if an employee is hurt at work. Most states require that all employers carry some type of workers comp. 

Food Contamination: This protects you If you lose power, because of fallen power lines or a storm, and the entire contents of your freezer spoil. This policy would pay to replace the food you lost. 

Granted, you can buy insurance for anything these days. It can be overwhelming. 

We want to be your trusted adviser for such matters.
Check out our short video in our Charlotte Restaurant video series below.