As a restaurant owner, you face a unique set of exposures, from equipment breaking down and causing food spoilage, to customers slipping and falling on your premises. In the event of a catastrophic incident, having the right insurance coverage in place could help keep your restaurant’s doors open. Every restaurant is different, and as such, your insurance coverage should be customized to suit your specific risks and needs. Types of coverage a restaurant owner should consider include but are not limited to:
- General Liability – Protects you against accidents or injuries that may result in a lawsuit, such as a customer claiming to be ill after eating contaminated food at your restaurant.
- Workers’ Compensation – If you have employees, New Hampshire law requires you to obtain this type of coverage, which protects them against work-related accidents and illnesses.
- Business Income/Business Interruption – Provides you with coverage in the event that a disaster, such as a fire, causes your restaurant to close temporarily. This includes coverage for the profits that would have been earned, operating expenses that still must be paid, and compensation for lost income based on previous financial records.
- Commercial Property – Covers your building and possessions, including your restaurant’s furniture, inventory, and equipment.
There are many other coverage options you may wish to consider, and our agents are here to discuss them with you and help you obtain the best coverage for your business. At Eaton & Berube Insurance, we’ve been assisting restaurant owners in New Hampshire with their coverage needs for more than 70 years.
In addition to Nashua where our office is located, we are pleased to provide restaurant insurance in Hudson, Hollis, Brookline, Litchfield, Amherst, Merrimack, Milford, Bedford, Manchester, Concord, Goffstown, Derry, Salem, Londonderry, Windham, Wilton, Mont Vernon, and all of New Hampshire. To get a free New Hampshire restaurant insurance quote, please call us today at 603-882-2766 or submit our online quote request form.