Orlando, Fla.—We all know kitchens can be dangerous, food can go bad, plus restaurants are usually packed with people. All those are risk factors we need to keep in mind when starting or running a business as a restaurateur. Especially now that we are about to end an extremely difficult year and a half when Covid-19 affected all of us and brought so much loss to businesses, those who required direct contact being the most affected. Now that we are at the other end of the story, it is important to set your business for success as we recover from this global health crisis.

Orlando is world-renowned for its hospitality business, and it’s home to some of the most-unique dining, social and vacation experiences in the United States. It doesn’t matter if you are in one of the cities or in a smaller community, you can make your restaurant, bar or other dining establishment a success, provided that you have the appropriate insurance policies for it.

There are myriad of reasons why you must keep your business well protected against the unforeseen.

Now, who needs restaurant insurance?

All businesses that cook and serve food should have adequate restaurant insurance. Business types can include:

Bars / Taverns

Cafés / Coffee shops

Diners

Delis

Food delivery services

Fast food franchises

Lounges

Pizzerias

Sandwich shops

And many more!

Basic insurance for restaurants

• Business Owners Policy (BOP): Packages commercial property and liability coverage into one policy. This is a very common insurance strategy for restaurants.
• Workers’ Compensation: Protects if your employees become injured or ill while at work.
• General Liability: A fundamental coverage that protects restaurants against lawsuits and other financial liabilities resulting from accidents or other mishaps. This includes things like food illness, and customer slips and falls.

Other coverages restaurants might need, Food Trucks included:

• Equipment breakdown coverage can help when a covered equipment failure causes damage or lost income.
• Spoilage insurance can help if food spoils when a refrigerator breaks or the power goes out.  
• Food contamination shutdown insurance can help with income lost when you’re forced to close for contamination — and it may even assist with the costs of complying with required fixes.
• Business auto insurance can help with the cost of repairs and medical care when your delivery vehicle or food truck is responsible for an accident.

It’s important that your restaurant’s insurance adequately addresses your specific operating risks and liabilities at all times. With the help of Garzor Insurance’s dedicated agents, you can receive coverage backed by top-rated insurance carriers and supported by experienced commercial insurance specialists.

At Garzor Insurance our experienced professionals are dedicated to providing commercial insurance, including business general liability coverage in Florida as well as Georgia, Texas, and now many other states across the U.S.A. If you have questions about business insurance, or any other commercial insurance aspects, please do not hesitate to visit us online at Garzor Insurance, or you may want to call us directly at (321) 206-8035. 

Mariana Morante

Licensed Insurance Agent