Restaurant Insurance in Whitinsville MA & Grafton MA and surrounding areas
Proudly Serving Grafton, Westboro, Shrewsbury, Whitinsville, and Southborough
Owning and operating your own restaurant can be a rewarding experience, but it also comes with a unique set of risks that could lead to costly lawsuits. If your business cooks or serves food to customers, finding the right restaurant insurance is a crucial part of protecting it from financial hardship.
We’re here to help you find the best insurance policy for your needs. Contact Gaudette Insurance Agency to learn more about our restaurant insurance coverage.
What Does Restaurant Insurance Cover?
Restaurant insurance can provide a broad range of coverage to help financially protect your business from common industry risks. Here are some of the insurance options that may be available to you:
- Workers’ compensation insurance may assist with costs (e.g., lost wages and medical bills) if your employees experience work-related injuries or illnesses. This coverage is required in most states for any business with employees.
- Business interruption insurance may provide coverage for ongoing operating expenses (e.g., payroll and rent) if your business temporarily closes due to a covered loss event.
- General liability insurance may cover costs (e.g., legal fees and medical bills) associated with third-party bodily injury or property damage your restaurant causes.
- Commercial property insurance can help pay for repairs or replacements to structural aspects of your building or other on-site structures that are damaged by a covered peril.
Additional insurance coverage may be recommended to ensure your restaurant has sufficient protection. The following are common coverage options to ask your insurance agent about:
- Food spoilage insurance
- Liquor liability insurance
- Commercial auto insurance
- Cyber liability insurance
- Employment practices liability insurance
- Commercial crime insurance
- Equipment breakdown insurance
How Much Does Restaurant Insurance Cost?
Your insurance company will likely consider numerous factors when determining the cost of your restaurant insurance. Here is information you should have on hand when asking your insurance agent about an insurance quote:
- Business size and location
- Number of employees
- Revenue and number of customers
- Type and age of the building
- Desired amount of coverage
How Do I Get Restaurant Insurance?
Finding the right restaurant insurance can bring peace of mind. Contact Gaudette Insurance Agency to get started with a restaurant insurance quote today.
We have offices located throughout Massachusetts, including Grafton, Westboro, Shrewsbury, Whitinsville, Southborough, Northbridge, Uxbridge and Millbury.
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