General liability insurance protects your business from lawsuits, generally covering injuries and damages caused by you and your employees. During the typical day at a restaurant, customers and employees are constantly flowing in and out. With all of this traffic in your restaurant, unforeseen problems can arise.
For example, if a patron trips and is injured while walking in your restaurant, or a server spills food and ruins a patron’s jacket, general liability will be there to help. It even helps cover certain claims of slander and libel against restaurant owners.
When oversights happen, general liability helps safeguard your business, keeping you prepared for unpredictable risks.
Why does my business need general liability?
Every time a patron enters your restaurant, your business assumes risk. Allergic reactions, slips and falls, or spills can all be reasons for one of your guests decides to file a lawsuit. Even if your business wins the case in court, you can still be held responsible for associated costs like attorney’s fees.
What can general liability do for my business?
While insurance coverage can’t protect patrons from falling or slipping, it does provide your business with legal protection from lawsuits alleging injuries and damages that occurred as the result of your business operations.
General liability offers the peace of mind that your business can survive a costly lawsuit and still have the necessary funds to continue operating.