Why Do You Need Restaurant And Bar Insurance?

The agents of Hamilton Fox & Company Inc. in Pinecrest, FL will walk you through the ins and outs of operating a Florida bar and restaurant. Anyone who has worked in a bar or restaurant enjoys the spirit of consuming good food and drink. But behind the scene is a jungle of liability from your first drink to your last trip to the salad bar. The liability is a result of alcohol abuse which could lead to assaults and car accidents, food poisoning, slip and fall accidents, employee injuries, and the dangers of fire to spilled oil in the kitchen.

Before a Florida bar and restaurant can open for business, its owners must contact the: 

  • Division of Alcoholic Beverages and Tobacco
  • Department of Business and Professional Regulation
  • Florida Department of Health (Health, Safety, and Sanitation)
  • Florida Workers Compensation Regulations 

These Florida Departments regulate the people who operate the bar and restaurant, the alcohol served, the regulation of all matters concerning food safety, sanitation, and issues related to worker injuries.

Further, there are multiple issues related to insurance that a business owner must consider, including:

  • Business Owner’s Policy
  • Commercial Auto Liability Coverage
  • Workers Compensation Insurance
  • Commercial Property Insurance
  • General Liability Coverage
  • Liquor Liability Coverage
  • Assault and Battery Coverage 
  • Fire Insurance 
  • Income Coverage
  • Food Contamination Insurance 

After you protect yourself from the multiple perils, business practices must be established such as:

  • An employer/employee manual 
  • Training to ensure the health, safety, and sanitation
  • Practices to control food safety, quality and preparation 
  • Liquor control policies
  • Fire and safety inspections
  • Recordkeeping 

The business owner must decide what activities are safe because every policy has its list of exclusions. The agents of Hamilton Fox & Company Inc. in Pinecrest, FL are experts in advising you about Bar and Restaurant Insurance. Please call for a quote and more information.