Restaurant & Liquor Liability Insurance in Kennesaw, GA
Navigating the world of restaurant ownership comes with its unique set of challenges, and it is paramount to help ensure your establishment is adequately protected. Insurance for restaurants and liquor liability are crucial elements of a thorough risk management plan for any business serving food and alcohol. Understanding the nuances of these coverages can help restaurant owners not only comply with legal requirements but also financially protect their investment and help ensure the longevity of their business.
What Is Restaurant and Liquor Liability Insurance? 
Restaurant insurance is a comprehensive package that typically includes the following types of coverage:
- General liability insurance can financially cover claims of bodily injury or property damage that happen on your premises.
- Property insurance for restaurants can financially cover the building, furniture, equipment and inventory against risks like fire and theft.
- Workers’ compensation can offer benefits like medical expense coverage and wage replacement to employees who experience work-related injuries or illnesses.
- Business interruption insurance can supplement income if your restaurant must temporarily close because of a covered event.
- Food contamination insurance can financially protect against losses due to food spoilage or contamination.
- Liquor liability insurance can financially cover a range of incidents related to the serving or selling of alcohol. This can include bodily injury, property damage and legal costs.
How Much Does Restaurant and Liquor Insurance Cost?
The cost of restaurant and liquor liability insurance can vary widely based on several factors. The following are some key elements that can influence the premiums:
- Type of restaurant
- Location
- Size and revenue
- Type of cuisine
- Number of employees
- Claims history
- Coverage limits and deductibles
- The percentage of annual sales that come from alcohol
Where Can I Get Restaurant and Liquor Insurance?
Contact D. Ward Insurance Services today to discuss your insurance portfolio.