Why you need insurance for your restaurant
Markel Specialty’s insurance for restaurants has all the ingredients you need to cover your business.
A restaurant has many points of vulnerability: A guest is burned when a hot sauce is accidentally spilled. A cooler breaks down. A fire destroys the kitchen. An employee claims harassment. Another employee is injured lifting heavy trays. The restaurant closes for repairs. A power surge knocks out your POS terminals.
A restaurant businessowners policy from Markel Specialty offers the financial protection you need to quickly recover from liability issues.
Plus, the commercial property insurance portion can help pay to repair or replace your business property if it is stolen or damaged in certain situations (including theft, fire, vandalism, or windstorms).
This total coverage package makes sure you can quickly bounce back from an unexpected disaster and repair or replace essential equipment and assets.
For on-the-job accidents, Markel Specialty also offers workers compensation plans. Workers compensation can pay for costs associated with occupational illnesses and injuries including:
- Medical expenses
- Partial wages while the employee recovers
- Funeral expenses if an employee dies from a work injury
- Legal expenses if your business is sued over a work injury
To protect your business from employee claims, you can also add Markel Specialty’s Employment Practices Liability (EPL) coverage.