Restaurant Insurance
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Restaurant Insurance in New Jersey
When you are running a restaurant, you know that there are many things that are needed to make it a success. Owning a restaurant is challenging enough as it is but without the right restaurant insurance, you’re going to run into a few problems.
Things go wrong in restaurants all the time; food spoils, employees get injured when chopping and cooking, there could be fires. These things all need to be covered.
Whether you are running a bar or a cafe, a catering event, a food truck, or a fast food business, you need restaurant insurance. It has to cover property, liability, workers’ compensation, and vehicle insurance, too. It should also include a clause for business interruption because anything can happen.
There are some restaurants that require specialized insurance, and if you need to know if yours does, we can help.
Business Owners Policy
A BOP packages commercial property and liability coverage into one policy. This is a very common insurance strategy for restaurants.
Workers’ Compensation Insurance
Protects if your employees become injured or ill while at work. In NJ, you will need this as long as you have more than one employee.
General Liability Insurance
A fundamental coverage that protects restaurants against lawsuits and other financial liabilities resulting from accidents, such as food illness and customer slips and falls.
Commercial Auto Insurance
This is more of an optional form of coverage, and needed if you have a vehicle used for deliveries or other business use. For example, a food truck definitely needs this!
Covering the Costs
At the John Hill Agency, we do all that we can to help you cover unexpected costs arising from unexpected events or mishaps. We will help you to put the best possible insurance policy together so that your restaurant’s business is covered completely.
For a fast and simple quote, you can speak to one of our helpful agents. We can offer you immediate coverage and a quote that is unique to your business and its needs.