Restaurant Insurance in Maine
Allen/Freeman/McDonnell Agency
Restaurant Insurance
- What Is It?
- Who Needs It?
- Coverages Offered
Restaurant insurance is a specialized insurance solution for food services businesses. It normally gives restaurants coverage options that can be tailored for their particular needs.
- Fine Dining Establishments (steakhouses, seafood restaurants, etc.)
- Casual Eateries (diners, buffets, family-friendly restaurants, etc.)
- Counter Service Restaurants (lobster pounds, pizzerias, delis, etc.)
- General Liability Coverage
- Product Liability Coverage
- Liquor Liability Coverage:
What is restaurant insurance?
Operating a restaurant requires significant investments of both finances and time, and it’s important to protect such investments when possible. Restaurant insurance may help protect restaurants in Maine from property damage, liability lawsuits, and more. It might even cover certain causes of food spoilage.
Restaurant insurance is a specialized insurance solution for food services businesses. It normally gives restaurants coverage options that can be tailored for their particular needs.
What food services businesses in Maine need a restaurant policy?
Restaurant policies are primarily for food service businesses offering sit-down dining. Most restaurants in Maine that have table or other sit-down dining should carry a policy. For example, policies are frequently used to insure:
- Fine Dining Establishments (steakhouses, seafood restaurants, etc.)
- Casual Eateries (diners, buffets, family-friendly restaurants, etc.)
- Counter Service Restaurants (lobster pounds, pizzerias, delis, etc.)
- Cafes (coffeehouses, tea houses, bistros, etc.)
- Eco Restaurants (farm-to-table, vegetarian, and vegan restaurants)
- Other Restaurants (ethnic eateries, fast-casual eateries, etc.)
Some of these restaurants might offer other dining options, such as to-go, drive-through, or delivery service. Restaurant policies can usually be adapted to also cover these options, in addition to sit-down dining.
In cases where a restaurant is part of another business, other coverages might be needed in addition to restaurant coverages. Breweries, cideries, and similar businesses that serve food should work with a knowledgeable agent, who’ll be able to explain the various different coverages that may be applicable.
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What restaurant liability insurance protections should restaurants look for?
Most restaurants would be wise to protect against multiple types of liability risk. Thus, there are several restaurant liability insurance protections that could be helpful. Liability protections normally insure against situations where another party might sue, but they offer coverage in different situations. Some to consider are:
- General Liability Coverage: Could insure against common accidents where a customer or other non-employee is injured. For example, might cover tripping in an entryway, slipping on ice in a parking lot, or other similar accidents. Usually also protects against defamation and false advertising claims.
- Product Liability Coverage: Could insure against cases harm caused by the foods or beverages served by a restaurant. Might cover choking, E. coli, salmonella, allergic reaction, and other harm that could arise from improper food handling or cooking.
- Liquor Liability Coverage: Could insure against various incidents involving at least one intoxicated customer. Common accidents, assault, DUI, and alcohol poisoning might be covered, for instance.
- Umbrella Liability Coverage: Could insure against claims that exceed the coverage limit of another restaurant liability insurance protection, providing an extra layer of protection in case of a high-cost lawsuit.
What property insurance protections should restaurants get?
Property insurance protections can cover a range of items that restaurants may own. Which of these should be included in a policy depends on what items a restaurant has. There are several property insurance options:
- Commercial Building Coverage: May cover a building if a restaurant owns its location. Coverage usually extends to most structures on an owned property, which could also include a parking lot, outdoor seating area, or other structures.
- Tenants Betterment Coverage: May cover the build-out of a leased space if a restaurant rents its location. Coverage usually includes both back-of-house and front-of-house improvements that are made to the space.
- Commercial Contents Coverage: May cover the many different items that a restaurant has at its location. Stoves, ovens, refrigerators, freezers, dishwashers, dishes, glasses, tables, chairs, decor, computers, and many other items can usually be covered.
- Food Contamination Coverage: May cover ingredients, prepared foods, and premade beverages against spoilage, if the spoilage is caused by certain events. Spoilage arising from a power outage is often covered, for instance.
Where can restaurants in Maine find good restaurant insurance?
If you need help insuring a restaurant that’s in Maine, get in touch with the independent insurance agents at Allen Freeman McDonnell Agency. Our agents will help you explore the many different coverage options, including restaurant liability insurance and restaurant property insurance options, that these policies can offer. We’ll make sure you find restaurant insurance that’ll protect your establishment well.
