As the owner of a restaurant or catering business, you naturally take steps toward protecting the business you've built. But between the bustle of the workday and the flow of customers, it can be easy to get sidetracked or to push these important safety measures to the back of your mind.

For unforeseeable accidents, damages, or disasters, your business insurance provides a welcome safety net. However, you can enforce safety precautions in other ways, too. Keep reading to learn how you can manage the risks your business faces each day and provide a safe environment for employees and customers.

Risk Management Tips for Restaurant and Bar Owners

Risk Management Tips for Restaurant and Bar Owners

As a restaurant owner or catering professional, you know the health and safety risks that abound in your industry. For your customers, you have to consider food spoilage concerns and allergies, while your employees risk slipping on wet floors and burning themselves on stoves. Your food business is exposed to numerous risks each day—and it only takes one lawsuit brought by an injured customer or employee to potentially jeopardize your business.

To reduce the risk of accidents and unexpected events, use these guidelines to help make safety an integral part of your operations.

  • Reduce the risk of kitchen fires. Grease fires are an all-too-common cause of property damage and liability in the restaurant industry. Ensure your kitchen's cleanliness is maintained throughout the day to help offset the risk of grease fires. To prepare your business for the worst-case scenario, you may want to consider a Property Insurance policy that insures your belongings at their full replacement value.
  • Defend your food business against liquor liability. If your restaurant or catering business serves alcohol or allows patrons to BYOB, your business is at risk of facing liquor liability lawsuits. Even if an intoxicated person only had one drink at your restaurant, you business could held liable for any accidents that person causes on the road or any assaults they perpetrate on your premises. Liquor Liability Insurance can be added to most business insurance policies and can offer your business protection if a liquor-related claim is filed. Additionally, be sure your employees are trained to recognize the signs of intoxication, check IDs, and politely refuse service if necessary.
  • Protect your employees. In the food service business, your employees are susceptible to slips, spills, burns, cuts, and physical strain. Be sure to help protect your employees by conducting regular training sessions on proper lifting and carrying techniques for heavy items. Your chef and line cooks will need appropriate equipment to store sharp knives and tools, as well as heat-protection gear, such as potholders. Also, you may consider mandating footwear and attire that minimizes risks of injuries.

    Depending on your state, you may be required to carry Workers' Compensation Insurance for your employees as well. This coverage protects your business if one of your employees is injured at work or has a work-related illness. In addition to covering medical expenses related to the work injury or illness, Workers' Comp can also provide funding to defend your business if your employee decides to sue. Ask your insureon agent to help you determine whether this coverage would be a good choice for your business.
  • Keep your business safe on the road. Sometimes, your business requires a little travel, especially if you own a catering company. To keep your business protected while on the go, be sure all employees who drive personal vehicles to conduct company business are properly licensed and carry their own Auto Liability Insurance. Plus, you'll need to make sure all personal vehicles used on company business have passed your state's require safety inspections. As another safeguard, you may consider Hired and Non-Owned Auto Insurance to supplement or replace a car rental agency's liability coverage or your employees' personal coverage.
  • Know your policy. Not all policies are created equal, and provisions can vary drastically from carrier to carrier. Carefully read your policy and familiarize yourself with what your business insurance policy covers and what it does not. If you're concerned your coverage is not adequate enough for your business protection needs, feel free to talk to an insureon agent today.
Protection Your Restaurant or Bar Can Rely On

Protection Your Restaurant or Bar Can Rely On

Even the best-run restaurants and catering businesses can be targets of a lawsuit, no matter how many precautions you take to ensure a safe establishment. To give your business the safety net it needs to grow and thrive, contact an insureon agent today. We'll help you determine which policies offer the appropriate protection for your food business.

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