Archive for June 2016

Insurance & Restaurants   Leave a comment

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Everyone loves to eat out, which in recent years has led to the development of many new restaurants. This can include a wide variety of types of service, from a food truck to a place of fine dining.  As the restaurant industry grows, so do the needs of those involved in the industry – especially their needs for appropriate insurance to protect themselves.

The food industry has reported both job creation and revenue growth over the course of the last six years. This includes a 3.8% revenue increase, and over 14 million people currently employed in the industry.  While it is great that the food industry is doing so well, what does this have to do with insurance?  It means that there is a growing market of business owners that need specialized coverage based on their risks.

For example, if you own a food truck, it’s likely that if you had a fire or other devastating loss it will take you some time to find or build a replacement vehicle.  While this is taking place, do you have coverage to replace the income you’re losing?  How will you pay your bills?

If you own a more traditional restaurant, do you have coverage for a power outage?  What about a power outage due to power lines downed in a storm?  What if your food spoils while the power is out – is your inventory covered for spoilage?  Similarly, if you have a refrigerant/contamination issue – do you have coverage?

The special types of coverage that are listed are just a few of many that agents and restaurant owners alike need to be aware of to help both industries grow and flourish.  Feel free to call or email with questions or concerns you might have!

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