Franchise Restaurant Insurance
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Why Choose Grojean
Operating a restaurant franchise? Make sure you’re not held liable for accidents or property damage by buying the right franchise restaurant insurance policy. Grojean has extensive experience working with restaurant franchises and can help you find the most comprehensive coverage for your needs. Discuss your needs and budget with one of our knowledgeable team members. We’ll shop around to find you a number of suitable options and help you choose the best one.
Frequently Asked Questions
What is restaurant insurance?
Restaurant insurance is a specialized type of business insurance that provides coverage for the unique risks and liabilities faced by restaurants and foodservice establishments.
What does restaurant insurance typically cover?
Restaurant insurance policies often include coverage for property damage (e.g., fire, theft, vandalism), general liability (customer injuries or property damage), workers’ compensation (employee injuries), liquor liability (if the restaurant serves alcohol), and business interruption (lost income due to covered events).
Is restaurant insurance required by law?
While requirements may vary depending on your location, many states or municipalities mandate restaurants to have certain types of insurance, such as workers’ compensation or liability coverage.
Can restaurant insurance be customized to my specific needs?
Yes, restaurant insurance policies can be tailored to meet the unique needs of your establishment. You can adjust coverage limits, add endorsements (e.g., spoilage coverage for perishable goods), and choose the appropriate deductibles.
Does restaurant insurance cover foodborne illnesses?
Standard restaurant insurance may not cover foodborne illnesses; however, some policies may offer contamination coverage, which can help with costs related to recalls and liability due to foodborne outbreaks.
Are food delivery services covered by restaurant insurance?
If your restaurant offers delivery services, it’s essential to verify with your insurance provider if the policy includes coverage for delivery drivers and any potential accidents during delivery.