Umbrella Insurance for Restaurants: Extra Liability Limits Explained
Some restaurant claims stay small. Some do not. Umbrella or Excess Liability insurance exists for the claims that get bigger than expected. And if you own a restaurant, “bigger than expected” is not exactly a foreign concept. You have seen a quiet Tuesday turn into a full dining room with two call-offs and one printer […]
Cyber and EPLI for Restaurants: POS Systems, Staff Issues & Modern Risk
Cyber and EPLI for Restaurants: POS Systems, Staff Issues & Modern Risk Cyber and EPLI sound like big-company coverage. They are not. Restaurants use technology. Restaurants employ people. That means both cyber and employment-related risk exist, even for small owner-operated businesses. If your restaurant has a POS system, email, payroll, online ordering, scheduling software, customer […]
Liquor Liability for Colorado Restaurants: Food-First vs. Liquor-Heavy Risk
If your restaurant serves alcohol, your insurance conversation changes. Not in a dramatic “sound the alarm” way. More like a “we should probably not pretend this is just a sandwich shop” way. Liquor Liability matters because alcohol creates a different kind of risk than food service alone. What Liquor Liability may help with Liquor Liability […]
Restaurant Property Insurance: Equipment, Spoilage, and Business Income Explained
Restaurant Property Insurance: Equipment, Spoilage, and Business Income Explained A restaurant is full of expensive things pretending to be normal. Walk-ins. Freezers. Ovens. Fryers. Hoods. Dish machines. Espresso machines. POS systems. Furniture. Signs. Stock. Small wares. Tenant improvements. Coolers that seem to know exactly when you are already having a bad day. Restaurant property insurance […]
Restaurant General Liability Insurance: What Colorado Owners Should Know
General Liability is usually one of the first coverages restaurant owners hear about. It is also one of the easiest to misunderstand. A landlord asks for proof of insurance. A vendor asks for a certificate. Someone says, “We need your GL.” Everyone nods like this is normal. Then the owner gets handed a policy full […]
Workers Comp for Colorado Restaurants: Burns, Slips, Cuts & Claim Reality
They are Tuesday. Burns. Slips. Knife cuts. Back strains. Broken glass. Wet floors. Heavy boxes. Repetitive motion. Hot pans. Fast movement in tight spaces. If you own or operate a restaurant in Colorado, Workers Comp deserves more than a once-a-year renewal glance. This is one of the most important parts of your insurance program because […]
Restaurant Insurance in Colorado: A Plain-English Guide for Owner-Operators
Restaurant Insurance in Colorado: A Plain-English Guide for Owner-Operators Restaurant insurance should not feel like reading a prep list written by a lawyer during a fryer fire. If you own or operate a restaurant in Colorado, you already have enough happening: staffing, food costs, vendors, equipment, customer reviews, payroll, renewals, inspections, and that one piece […]