Dick Law Firm, PLLC

Call Today!

Call Today! 833-7RIGHTS
  • Home
  • Attorney Profile
  • Insurance Claims
  • FAQ
  • Testimonials
  • Buy A Shirt
  • Contact Us
  • Blog
  • Call Today
  • Email Us
  • Our Map
  • Menu

Restaurant insurance questions

Blog 2020 November Restaurant insurance questions
Previous Post  |  Next Post

Restaurant insurance questions

Posted By Dick Law Firm || 29-Nov-2020

Restaurant Insurance

Let's say you're a restaurateur and you're having a horrible week; first your chef cut himself in preparation, then your refrigerator died, and all the cold-stored food was ruined. Then one of your delivery kids gets into an accident while making a delivery, and the insurance company comes after you. All these possibilities would cover restaurants.

  • Chef; employees' coverage
  • The refrigerator; equipment failure insurance
  • Food; coverage spoilage
  • Driver; unowned auto coverage.

There's plenty more. Which restaurant styles are you? There are specific forms of foodservice coverage: do you have table service, and if so, are you just a fine restaurant or casual? You fast-food? Are you a buffet, cafeteria, smorgasbord, or some? If you give takeout, do you deliver? If you're a bar or nightclub, that's another category with its collection of risks and coverage.

The country club, mall/shopping, or sandwich bar. It makes a difference in your insurance plan and can also affect your worker's compensation class code. Depending on what your restaurant provides, coverage will vary greatly. Full bar, wine, and beer? Entertainment, a dance floor? Are you catering? Looking for meetings, banquets, or private parties?

If you have activities off-site or are you a promoter? That's another coverage form. You have parking, and if so, have a valet? You, or a subcontractor? Do they protect you if someone or something hurts on your property? How's your system ANSUL? Covers your deep fryer? Can your fish tank leak and injure or damage a customer?

Do you have a coat check, entertainer equipment storage, or other property of others? Are you ADA-compliant or open to lawsuits? Here are several other coverages you may need: on-site liability, product liability if your food poisons anyone or claims to do so, on-site coverage for your fixtures, on-site content if you own the building or are on a triple-net contract, ads, and rented land.

This is another case where an investigator uses a checklist. Too many chances to leave something out.

keywords: property insurance definition, property insurance denial letter sample, property insurance designations, property insurance escrow, property insurance estimator, property insurance exam, property insurance exam questions, property insurance lawyer, property insurance lawyers near me, property insurance liability, property insurance license, property insurance limits, property insurance loss of use, property insurance loss register, property insurance vs homeowners insurance, property insurance vs liability insurance, property insurance vs mortgage insurance, property insurance vs renters insurance, property insurance waiver of subrogation, property insurance warehouse, property insurance what does it cover

Share Post

Insurance Claims

How Can We Help You?

  • Insurance Bad Faith
  • Homeowner's Insurance
  • Business Insurance
  • Delayed Claims
  • Denied Claims
  • Underpaid Claims
  • Life Insurance Claims

Need A Lawyer, Hire Dick!

Send My Information
  • Home
  • Site Map
  • Privacy Policy
  • Contact Us
Dick Law Firm, PLLC

Call Today 833-7RIGHTS

Dick Law Firm, PLLC - Insurance Claims
3701 Brookwoods, Houston, TX 77092 View Map
Main: 833-7RIGHTS
(832) 207-2007
Website: http://www.dicklawfirm.com/
© 2023 All Rights Reserved.
Internet Marketing Experts