Restaurant Insurance Information
Restaurant Insurance in Tennessee
Restaurant owners face several risks specific to the industry. Exposures such as hosting customers onsite and the inherent dangers of working in a busy kitchen make securing suitable restaurant insurance critical for these establishments.
The agents at FSB Insurance/C&T Insurance are ready to help you get the restaurant insurance you need. We have offices across eastern and central Tennessee in Jackson, Murfreesboro, McKenzie, Humboldt and Martin. Our business insurance experts will work with you to find the best types of coverage and tailor your insurance plan to work for your restaurant.
What Does Restaurant Insurance Cover?
Restaurant insurance may include several types of coverage to help mitigate the financial risks of owning and operating a food service establishment, including:
Commercial property insurance. This coverage helps pay to repair or replace your building and other onsite structures and property after damages caused by a covered event such as storms, fires, vandalism or theft.
General liability insurance. This policy may help pay damages if your restaurant is responsible for property damage or third-party injuries. Liability coverage may also help pay legal fees or medical expenses related to these incidents.
Business interruption insurance. If you must temporarily close your restaurant to allow for repairs after a covered event, this coverage may help pay for ongoing operating expenses, such as wages and taxes, until you can reopen.
Workers’ compensation insurance. If your employees suffer a work-related illness or injury, this coverage may provide financial support by helping with wage replacement and medical bills.
Your agent may recommend additional policies, including:
Commercial umbrella insurance
Cyber liability insurance
Food spoilage or contamination insurance
Liquor liability insurance
Commercial auto insurance
Your agent can help you understand how each policy type may benefit your restaurant.
Get the Restaurant Insurance You Need
Contact FSB Insurance/C&T Insurance today to learn about creating a restaurant insurance policy that provides the most value for your money.