{"id":268,"date":"2024-03-15T14:13:18","date_gmt":"2024-03-15T14:13:18","guid":{"rendered":"http:\/\/mckennains.com\/blog\/?p=268"},"modified":"2024-03-15T14:14:30","modified_gmt":"2024-03-15T14:14:30","slug":"general-and-professional-liability-insurance-for-restaurants-and-hospitality-businesses","status":"publish","type":"post","link":"https:\/\/mckennains.com\/blog\/2024\/03\/15\/general-and-professional-liability-insurance-for-restaurants-and-hospitality-businesses\/","title":{"rendered":"General and Professional Liability Insurance for Restaurants and Hospitality Businesses"},"content":{"rendered":"

All businesses need business insurance coverage. It helps cover the costs that might be associated with damage to property, as well as liability claims. Without the right coverage, business owners may have to pay out of pocket for claims made against their company. Restaurant and hospitality business owners should consider business property insurance, which can help cover the physical building and everything inside.<\/p>\n

\"\"<\/p>\n

Why is it so important that the owners of restaurants or other hospitality businesses have proper insurance coverage?
\n<\/strong>
\n\u2022 Slip-and-fall injuries<\/strong> \u2013 If someone slips or trips on your business property, they can file a lawsuit to cover their medical costs.<\/p>\n

\"\"<\/p>\n

\u2022 Liquor Liability<\/strong> \u2013 If an intoxicated customer of yours injures another customer in a fight or causes damage to your restaurant, you may be liable for the cost.
\n\u2022 Food Poisoning<\/strong> \u2013 If a customer says they had food poisoning after eating in your establishment.
\n\u2022 Property Damage<\/strong> \u2013 In the event that damage to your business or equipment occurs due to a kitchen fire, vandalism, or even heavy rain.<\/p>\n

What is the difference between General Liability & Professional Liability?
\n<\/strong>
\nBoth types of insurance claims can be financially devastating to a business. Being prepared for either scenario is important.<\/p>\n

\"\"<\/p>\n

\u2022 General Liability<\/strong> \u2013 Covers physical risks, such as property damage & bodily injuries \u2013 Such as a customer slipping on a spilled drink or a valet driver damaging a vehicle.<\/p>\n

\u2022 Professional Liability<\/strong> \u2013 Covers errors & omissions in the services your business provides. This could be events such as a bout of food poisoning from bad food or inadequate preparation.<\/p>\n

Most often, it will not be a question of \u201cwhich type of coverage should I choose?\u201d but instead \u201cdo I need both general liability & professional liability?\u201d
\nSpeaking with your agent at George E. McKenna Insurance Agency<\/strong> can help ensure you have the right coverage for your business. (508) 892-8133<\/a><\/p>\n

Source: https:\/\/www.nerdwallet.com\/article\/small-business\/general-liability-vs-professional-liability<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

All businesses need business insurance coverage. It helps cover the costs that might be associated with damage to property, as well as liability claims. Without the right coverage, business owners may have to pay out of pocket for claims made against their company. Restaurant and hospitality business owners should consider business property insurance, which can
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