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 […]
Restaurant Insurance in Colorado: What Coverage Do You Need?
Running a restaurant in Colorado can be a fulfilling yet challenging endeavor. From the fast-paced kitchen environment to customer interactions and alcohol service, restaurant owners face unique risks that could lead to financial loss if not properly insured. One fire, slip-and-fall accident, or foodborne illness outbreak could result in lawsuits, medical bills, or business closure. […]