The restaurant industry is expecting to continue its growth in 2019. With a positive industry outlook and a demand from consumers for new restaurant experiences, trends like Zero-waste cooking, Hyper local sourcing, working with a Vegetable forward cuisine, and new artisan produced spirits, the restaurant industry is an exciting and challenging venture.Without a comprehensive insurance plan, restaurant business owners, managers, and chefs are exposed to a myriad of lawsuits and other financial loss should the business not be insured correctly.
Ford Insurance knows the restaurant business.... how? Well our principal owner, Mark Swartz spent over 30 years in the restaurant business and knows the issues you face each and every day. We know what coverages you need, understand the challenges of operations, and are here to assist in your success.
Ford Insurance knows the restaurant business.... how? Well our principal owner, Mark Swartz spent over 30 years in the restaurant business and knows the issues you face each and every day. We know what coverages you need, understand the challenges of operations, and are here to assist in your success.
Mark's Restaurant Cafe` Facebook Group..... come take a look
Typical Insurance Policies
- General Liability Insurance — General liability insurance protects you against third-party claims such as property damage, bodily injury, or personal injury. For example, if someone were to slip and fall on a wet floor in your restaurant.
- Product Liability Insurance — Product liability insurance covers you if your food products were to make someone ill. For example, you sell your signature salad dressing for take home and a customer became ill from eating your dressing.
- Food Spoilage Insurance — Inventory insurance protects you against loss such as food spoilage. For example, let's say you lose electricity to your restaurant and your refrigerated products spoil overnight.
- Liquor Liability Insurance — If your restaurant sells, or serves alcoholic beverages, you could be liable if you serve alcohol to a patron who then injures someone or causes property damage. For example, your staff serves alcohol to an intoxicated person who then drives away and causes an accident.
- Commercial Auto Insurance — If you use a vehicle for your business operations, it may not be covered under your personal automobile insurance. Commercial auto insurance provides coverages specific to your business operations.