5 Reasons Why Hotels and Restaurants Need Commercial Insurance

​Running a hotel and restaurant business comes with great responsibility. For customers and guests, it is just merely checking in or dining in, but the services behind it matters too.

Hotel and restaurant business owners should also consider getting commercial insurance for the business in case of an emergency.

​Kitchen Adversities
It happens regularly. The unfortunate fire damages special equipment and workspace causing the kitchen service to shut down until it gets fixed.

Commercial insurance policies help cover the bills of the damage by reimbursing the cost of the damaged equipment due to fire.

Damage for Alleged Food Poison
Even without further investigation, once a customer claims that the restaurant food made them sick, the company needs to pay for the damage.

In the case of many food poisoning claims, it can get the business into bankruptcy. Better to be prepared, and always follow the health codes to prevent this situation.

Accident Injuries of Guest inside the Premise
What if the waiter accidentally spilled hot water on the guest? What if the guest tripped over an unfinished walkway or stairs resulting in bodily injury? What if the guest slipped off a wet floor and caused body fracture? 

The company needed to cover the medical bills of the injured party as it happened inside the premise. There is a general liability policy which includes body injury and would lessen the lawsuit. 

Staff Injuries at Work
Workers compensation is very significant as the workers are the core member of the company. Staff work at their best to provide better service for the company and to the customers. 

Consider the dozens of heavy loads from the dining room, kitchen, and hotel rooms. Consider the heavy trays above the head and balancing dining-trays on both hands. It is not that easy. 

Protecting the crews is also protecting the business.

Cyber-Security Hacks
Sensitive data like credit card numbers, home address, and other personal information of guests are not in the control of the hotel and restaurant. It is a challenge among industries with third-party vendors.

That is why hotels and restaurant business owners should also look for commercial policies with cyber insurance.

As you enter the challenging yet fascinating world of business, remember to protect yourself by buying business insurance. It can help you deal with specific problems in the future. Keep your hotel and restaurant business protected with a commercial insurance package. 

At Desmond Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (859) 491-5100 or Click Here to request a free quote.