Owning a small business is risky. Restaurants are particularly vulnerable to the many vagaries out there. Having commercial insurance offers a layer of protection that makes it more difficult for things to cause your business to fail. At Outdoor Insurance Services in Houston, TX, we aspire to be the insurance agency you turn to when you want the best service and insurance products. No matter what you need, we want to be there for you. 

Like most commercial insurance, restaurant insurance is designed to cover the risks that your particular business may face. One of the primary types of commercial insurance that almost every business can benefit from is liability insurance. Liability insurance protects small businesses from lawsuits brought against them. Restaurants are vulnerable on a bunch of different fronts. It can be a slip and fall accident, food poisoning, employment practices and if you serve alcohol, that makes you even more vulnerable. 

Commercial property insurance is also very much something that a  restaurant needs to worry about. You can’t produce food if any of your equipment is damaged. You also can lose power when a covered hazard hits and the food that you have in your fridge and freezer may be lost. Fire is a particular hazard for restaurants and can damage not only the kitchen but the dining area. 

Business interruption insurance is also something that a restaurant can count on to help survive something like a fire or the damage from a tornado. If you aren’t selling any meals, it is hard to pay rent, bills, and payroll. Business interruption insurance can give you the boost you need when times are rough. Bills and payroll don’t stop just because your income has dried up. 

Contact Outdoor Insurance Services in Houston, TX with all your commercial restaurant insurance needs.