Bar & Restaurant Insurance in Murray, UT
Starting a restaurant is an exhilarating endeavor, but it also involves a significant amount of risk. From kitchen fires to customer injuries, the potential for unexpected events is high. That’s why having the right insurance coverage is crucial for any restaurant owner. Restaurant insurance can financially protect your investment and help your business recover from unforeseen incidents.
What Insurance Does a Restaurant Need?
The following are some key types of insurance that restaurants typically need: 
- General liability insurance can help financially cover third-party claims of personal injury, property damage or bodily injury. This is essential if a customer gets injured or claims your food made them sick.
- Commercial property insurance can financially protect your building and its contents, such as kitchen equipment, from damage.
- Workers’ compensation insurance can help cover wages and medical expenses for employees who become ill or experience an injury while working.
- Business interruption insurance can assist in replacing lost income and covering expenses if your restaurant needs to close temporarily due to a covered event.
- Liquor liability insurance can help cover the cost of claims related to alcohol-related incidents if your restaurant serves alcohol.
- Food contamination insurance can help cover costs if your restaurant is forced to close due to a foodborne illness. This includes compensating for lost income, replacing contaminated food and covering cleaning expenses.
How Much Is Coverage for a Restaurant?
The following are some key elements that can affect the cost of insurance for restaurants:
- Type of restaurant
- Geographical location
- Size and layout
- Property value
- Staff size
- Revenue and sales
- Alcohol sales
- Claims history
- Coverage limits and deductibles
Learn More
Contact Statewide Insurance Agency to discuss insurance solutions for your restaurant. We can make policy recommendations for your specific operations.