If you are in the food and beverage industry, having the right insurance in place is essential to protect your financial interest and the well-being of staff and patrons. At ALLConnecticut Insurance in West Hartford, CT, we’ll help you create a policy covering your needs.
Commercial Property Insurance
This key coverage helps pay for the rebuilding or repairs of the business, and its contents are damaged under a covered loss. Common risks covered are fire, smoke, vandalism, hail, vehicle damage, and some types of water damage.
Equipment Breakdown Insurance
This insurance covers kitchen equipment such as ovens, refrigerators, freezers, ranges, and ventilation systems. It pays for breakdowns caused by electrical or mechanical errors.
Spoilage Insurance
Should refrigeration equipment break down, spoilage insurance can protect against the cost of lost food and the revenue it would have generated. Food costs are high enough, but having to close down the business adds to these expenses that insurance can also cover.
Auto Insurance
Auto insurance considers company vehicles as protected assets if your business offers delivery, catering, or picking up supplies. You’ll want this coverage to protect against theft and physical damage to autos used for business operations.
Liquor Liability Insurance
If your establishment provides alcoholic beverages, you need to have liquor liability insurance. This coverage is essential for restaurants, distilleries, bars, and breweries in particular. The policy covers damages or injuries caused by an intoxicated patron.
Workers’ Compensation Insurance
Workers’ compensation insurance covers medical expenses and lost wages incurred when an employee acquires an illness or injury or on the job. These policies help keep both employers and employees safe at work.
Call About Food & Beverage Insurance Today
Prioritize financial security for your business with the right food & beverage insurance policy. Contact ALLConnecticut Insurance in West Hartford, CT to learn more about your options.