If you are a restaurant or bar business owner, then you don't think that your business is just all about providing food and drink to your customers. However, many restaurant or bar owners fail to realize the many liabilities that these types of businesses are at risk of. And if something happens in or to your business and you don't have the proper insurance coverage, then you could be spending a lot of money or you could even lose everything that you have worked hard for.
Restaurant or bar business owners may not be able to think of all the possible scenarios that can happen in the business that can lead to legal claims. Click Crusader Insurance to read more about Business Insurance. The general scenarios give below are derived from actual events that has led to suits filed against restaurant or bar owners or that have led to great liabilities to the business owners. So, restaurant or bar owners should consider these things.
Customers can file claims against your business if they slip and fall on your wet floors and injure themselves in the process. You can be paying thousands of dollars on this type of lawsuit if you don't protect yourself with adequate insurance.
You can face a lawsuit if a client claims to have injured his teeth while eating the food you have served in your restaurant.
If a customer's laptop gets wet and damaged because your waiter was able to spill water or soda on it, then you can get in trouble for this. The customer can file for damages against the restaurant.
You restaurant kitchen can catch fire if your electric machines cause a short circuit which can come in contact with items that easily burn. This situation can cause your business to incur losses.
Your restaurant furniture can also cause injury to customers like when the legs of your stool breaks or gets dislocated, makes your customer fall and injure himself on the head. Read more about Business Insurance from Bar & Tavern insurance. You are liable to pay for the medical bills of the customer that got injured sitting on your damaged chair.
Brawling customers in a beer garden can upset many things in the place. A fire can ensure if the brawlers hit you portable heated and it comes in contact with flammable materials. You need money to have your beer garden fixed.
IF there is bad weather with strong winds and hail, then part of your bar roof can get damaged. Your bar floors can get damaged if there is flooding due to heavy rainfall in your area. You need to close your bar to fix your roof and this will amount to a huge cost for roof repair and revenue losses for the days the bar is closed to the public.
If you don't want to be paying for all these lawsuits, expenses, and losses, then you need to get your restaurant or bar insurance as soon as possible. Learn more from https://www.youtube.com/watch?v=NUjcpaKeZj8.