‍ ‍Your specialty dish is a Double Smash Burger, served with all the extra’s one would want on the burger. Know for that dish, people come from all over town to visit your place.

‍ ‍But one bad batch of lettuce or tomato’s or onions and you could end up with several (or just one) case of food poisoning. Now if someone gets food poisoning, they are left with several days of recovery or maybe a hospital visit.

‍ ‍You know the next step is for them to talk with an attorney. Bad news for you.

‍ ‍Second problem is, your bartender over serves a patron and they go out an injure someone in an auto accident. You better have boughten Liquor Legal liability coverage, since the incident happened away from your premises!

‍ ‍This is a very real problem for those restaurants that serve alcohol. One mistake could cost you thousands of dollars to defend.

‍ ‍A third issue is physical injury to a customer while visiting your place.

‍ ‍True story, a pizzeria customer, served a pizza to a restaurant customer, who bit into a slice that had some sort of metal ring in it  (from can of sauce?). Anyway, a $2,768 dental bill was presented to the restaurant owner, who turned it into his insurance company with us.

‍ ‍Luckily, the patron of the restaurant, only wanted his dental bill paid without a lawsuit. So the medical portion of the insurance policy he carried, paid the dental bill.

‍ ‍These are 3 reasons of claims that are unique to restaurant owners. Three possible ways a restaurant could go out-of-business, when they didn’t have to with the proper insurance protection.

‍ ‍Need help for insuring your restaurant?

‍ ‍Tom

Tom@larseninsurance.com

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