The Insurance Family Blog

Knowing the finer points of what constitutes flood insurance is in your best interest.  As the Associated Press recently reported, the California city of Capitola was denied its claim after properties were damaged during an onslaught of two flash floods.  It’s crucial to have a complete understanding of the nuances of your policy or policies.

With the very nature of a restaurant business comes the risk of fire. Unfortunately, many restaurants fall victim to fires and can sustain extreme damage and loss. We hear about these events every day in the insurance industry and they only prove how vital the partnership between a restaurant owner and their insurer is.

There is a very simply answer to the question, ‘why use a broker?’ And the simple answer is because it makes life easier.

Generally speaking, we don’t think of restaurants as dangerous places but the truth is an incident can occur at any time and it’s essential that your restaurant insurance policy covers it.

When running a restaurant business in California, dealing with the ins and outs of restaurant insurance is something most owners would rather avoid. However it is imperative as an employer and as a business owner to have valid insurance coverage. It is also vital to adhere to the guidelines set down by the insurance company or the coverage could be invalidated.

A restaurant is a minefield for workers’ compensation claims.  In the kitchen alone, cooks, dishwashers, and other employees are particularly at risk for sustaining burn injuries from hot food or grease burns from pans or fryers. In a busy restaurant, wet or greasy floors are particularly hazardous. Consider all the boiling water, churning oil, and sharp blades that are part of a restaurant’s daily life. Employees in a hurry can easily slip and fall on a wet or greasy floor. If your restaurant isn’t covered with workers’ compensation insurance, one employee’s mishap can become a financial burden on the business.

In order to maintain a great reputation, California restaurant owners pride themselves on high standards of food, hygiene and safety. Ensuring that the business has insurance coverage for disasters such as food spoilage is prudent.  No restaurant owner wants to have to deal with that, so how can restaurants avoid food spoilage in the first place?

The service industry in California forms the backbone of California’s economy. Employing thousands of people, services like fast food, casual dining and fine dining are operated by dedicated business owners. The task of running a restaurant is not an easy one and most restaurant owners can attest to this fact. With California restaurant regulations and compliance being so tight – there is a lot of bureaucracy to get through. By ensuring that a restaurant business is covered by all the appropriate insurance options means that restaurant owners can stop worrying about the bureaucracy and start doing what they do best, running a great restaurant.

When considering taking out a business or “commercial” auto insurance policy, there are some basic things that business owners need to know. Being armed with this knowledge will aid business owners in getting the best California commercial auto insurance deal, while being fully protected with the right amount of coverage. While many Californians think that business auto insurance is just like personal auto coverage, there are differences everyone should understand when evaluating their options. The more you know as a business owner, the more you can compare each policy, and so you can make an informed commercial auto insurance choice.

Liquor liability in California can be a difficult issue, and it makes sense to protect your restaurant with liquor liability insurance. This kind of insurance can be included in your overall restaurant insurance package to protect against any charges of negligence related to the service of alcohol on your premises and it will also indemnify the insured for any financial loss if legal liability is found. Even if you have already protected your restaurant business in this way, the experience of dealing with a liquor liability claim can be an unpleasant one, so you will want to put into place some risk management strategies to further decrease your chances of having to deal with a liquor liability claim.