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Chefs Preparing Food In KitchenTexas restaurants provide services to customers. Any number of risks — from spoiled food to a kitchen fire — can hinder business operations and rock the financial stability of your establishment. Many business owners consider threats to property when creating a business plan and selecting an insurance policy. But liability risks are just as important to consider.

A liability is your restaurant's responsibility to patrons, vendors and other third parties. You have a responsibility to maintain a safe environment that serves quality food. If a customer becomes injured or falls ill while on business premises or as a direct results of an employee's actions, your restaurant could be responsible for paying his or her medical bills, along with legal defense fees and other expenses. Just one liability claim could cost tens of thousands of dollars.

While liability risks are plentiful, here are a few of the most common liability risks you may face at your restaurant:
  • A customer gets food poisoning from a meal at your establishment.
  • A puddle causes a customer to slip and break a leg.
  • A kitchen fire leads to not only loss of business property, but also loss of customer property.
  • A customer's car is damaged while temporarily in the hands of valet staff.
It's easy to see how any number of unforeseen situations can wind up costing your restaurant. Fortunately, you can protect business finances with the help of liability insurance. It helps cover the expenses that follow a liability claim.

General Liability Insurance is recommended for every business and offers basic protection. However, you can also talk to your agent about additional liability coverage options that are more tailored to the needs of a restaurant, such as food spoilage liability. With a well-rounded insurance portfolio, you can be at ease, knowing that your Texas restaurant is protected from a wide variety of potential risks.

Ask about your options today. Call Southwest Commercial Insurance at (512) 771-6091 today to get a free restaurant insurance quote.
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