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Any establishment that sells, 和记体育注册app, or assists in the purchase or use of liquor is open to a liability claim as a consequence of someone getting inebriated to the extent that injuries or property damage result.

If you are in the business of selling or serving alcohol, it is critical that you protect yourself from potential financial losses by obtaining a liquor liability insurance policy. Having the right policy in place could help cover your legal costs, 法院的费用, 以及任何与酒精有关的民事或刑事损害.

Providing a valet service is convenient for your guests, but damaging a vehicle or property, 或造成伤害, is a very real risk associated with offering this service.

获得一般责任保险，以保护您的业务免受第三方诉讼. Be certain that a garagekeepers legal liability policy is also in effect with adequate limits to cover any physical damage to a guest's vehicle or other vehicles on-site. If you are using an independent valet service, 获得一份保险证书，以证实他们拥有适当的保险范围和足够的限额. 还要确保你的公司被指定为他们政策下的附加保险.

In the event of a covered cause of loss, most policies include coverage for the income you cannot collect. What happens if one of your key suppliers, such as your food or beverage distributor, 无法为你提供维持你的生意运行所需要的东西?

Make sure that your business income insurance includes contingent business income coverage to protect against the loss of potential earnings to your restaurant caused by the inability of a key vendor to provide a component necessary for the completion or execution of your services.

据估计，平均五分之三的企业将被其员工起诉. 餐厅, 就像其他业务一样, 从雇佣前的过程到可能的裁员都是脆弱的. Claims can stem from just about anything, such as someone taking a "joke" the wrong way and being offended.

针对这种风险的保险通常是一份独立的保单. The right coverage is critical to your risk management process as it protects against discrimination, 错误的终止, 性骚扰, and other employment-related allegations. 一般来说，该保险将包括您的业务以及您的董事和高级职员. Third party coverage is an added option, usually accomplished via a policy endorsement, 并处理客户或供应商因雇员的行为而对你提出的索赔.

与您的业务相关的外部标志容易受到火灾、破坏和天气的影响. Most commercial property policies offer a sublimit of coverage for signs, but it might not be enough.

Evaluate your sign exposures and determine if your existing commercial property insurance policy provides sufficient coverage. If not, increase the policy limit as required.

设备如冰箱, 炉灶, 洗碗机, and air conditioning units are vital when running a restaurant. 如果电涌或机械故障导致设备故障, your business can experience expensive repairs and lost income.

Make sure you maintain systems breakdown insurance, including business interruption and spoilage coverage so that you can get your business up and running again without suffering financial setbacks.

受到了超级风暴桑迪和近年来其他重大天气事件的影响, flooding can occur in almost any location and to any business. 你是受保护的?

洪水保险通常不包括在商业财产保险政策中, but can generally be added by endorsement as long as the property is not in a high risk flood zone. 如果保单中不包括保险项目，你应该查一下费用，把它加进去. 如果您的房产位于洪水泛滥的高风险地区，您将需要获得一份独立的保单. In either case, it’s important to have coverage.

Just about all businesses rely on technology in some way; it's increasingly used to store sensitive information, 比如信用卡, 密码, 以及社会安全号码. 但是，如果这些信息丢失、被盗或泄露，您将面临风险. 事实上, you may even be legally obligated to alert those impacted by the breach and possibly pay for any financial loss incurred.

Experiencing a data breach is often not a question of if but when. Securing a cyber liability policy can offer coverage for expenses associated with compliance regarding data breach notification laws, securing legal counsel to advise on incident response, 信贷监控和记体育注册app, and paying for regulatory defense, as well as penalties arising from privacy law violations.

Most restaurant owners remember to insure their contents, 例如桌子和椅子, but do not factor in the cost of the improvements they have made when selecting a building or contents limit.

如果你已经或正在考虑装修你的餐厅, 如果你拥有建筑，则将成本计入建筑限制;如果你租赁，则将内容限制.

断电, 机械故障, or other covered event can cause food to spoil, 那么，什么必须被丢弃呢.

This coverage will cover the replacement cost of the spoiled food. 大多数保单都包括保险范围，但你应该确认这个限额是足够的.

Two things a restaurant has easily accessible are food and money. Employees have been known to run scams to pocket money or steal food to take home or give away to friends and family members.

Make sure you have coverage for employee theft. This can help compensate you for some of your financial losses.

If your restaurant 提供了 food delivery service, 司机使用的是自己的车还是公司所有的车, you can be named in a lawsuit as a result of injury or damage caused by them while making a delivery for you.

如果车辆属于公司所有，应保留营业性汽车保险政策. If employees are using their own vehicles to make deliveries, 然后雇佣和非自有的汽车责任保险应该保持. Both will defend you if you are named in a lawsuit as a result of an employee getting into an accident while making a delivery for you.

如果你的员工在工作中受伤或生病, you are required by law to have the proper coverage in place.

Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.