Things You Should Know About Hotel And Restaurant Commercial Insurance

​Food and hospitality businesses include a wide range of services other than hotels, which include bars, taverns, nightclubs, delis, caterers, food trucks, and a lot more. The services they provide may also be at risk, which can cause injuries and damages within their working area. 

You should know and get the following commercial insurance that

1. General Liability Insurance
   General liability insurance may cover you from hospital bills or lawsuits that third-party claims with being injured or damaged their property during their hotel stay or dining in your restaurant.
   
   
2. Equipment Breakdown Insurance
   Equipment breakdown insurance may cover the repairs or replacements to damaged and malfunctioning equipment such as refrigerators, freezers, and kitchen utensils and appliances. However, if such equipment is damaged by fire, storm, or other natural disasters, a commercial property policy may likely cover the expenses for repairs or replacements. 
   
   
3. Worker's Compensation Insurance
   Your staff should be insured for work-related injuries, usually burns in the kitchen or sprains from slipping on wet floors. Worker's compensation insurance may be able to cover medical bills from getting hospitalized and loss of income since they won't be able to report to work while recovering.
   
   
4. Commercial Auto Insurance
   Your hotel or restaurant business may own, rent, or borrow vehicles for work operations, which the commercial auto insurance may cover from potential damages. If you have valet services, this insurance may cover property damage and injuries to customers and your employees. 
   
   Food deliveries may also be covered in cases of car accidents, whether it's your company's vehicle or the employee's vehicle used for work.

Conclusion
Hotel and restaurant businesses are still an active industry in profit-making. But instances of food poisoning, equipment damage, and other bodily injuries within the service area can usually happen. Also, it requires a lot of staff members to run such businesses while catering to many customers.

Since your business is responsible for such accidents, you can protect it with hotel and restaurants commercial insurance. This type of insurance knows the cases it may cover, from property damages to the employee and third-party injuries and lawsuits.

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. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!