Why Your Business Needs Liquor Liability Insurance

Three variations of beer sitting atop a wooden table in a restaurantRestaurants are no stranger to selling alcoholic beverages alongside their dishes. Even if a restaurant doesn’t sell alcohol, they may host periodic events where alcohol is permitted. On top of that, some stores, breweries, and bars make a living off of selling alcoholic beverages. Unfortunately, an increased risk of liability accompanies the serving of alcohol, as it’s famous for impairing motor skills and judgment if abused. Given the perils of excessive alcohol consumption – such as liability for assaults, property damage, and drunk driving – it’s important to know the necessity of liquor liability insurance. [Read more…]

Insurance Every Restaurant Needs

Becoming a new business owner and opening a restaurant can be a risky and stressful venture, but by having security with reliable insurance policies

Owning a restaurant can be a very rewarding and lucrative operation, when properly safeguarded from negligence and damages. A business owners policy (BOP) will provide coverage to your business, but if you offer specialized services or alcohol, you need to ensure you have a comprehensive policy. Below are different types of insurance every restaurant needs in order to operate smoothly for years to come. [Read more…]

Grease Fire: Tips and Prevention

Kitchen grease fire from unattended pan.No matter how prepared you may think you are, a fire in your home can happen at any time. Unfortunately this is one of those liabilities that comes with owning a home. Some of the most dangerous fires tend to start in the kitchen, and cooking is the number one cause of fires and fire-related injuries nationwide according to the National Fire Protection Association nationwide. They are often caused with the use of cooking oil and generally these fires tend to be more difficult to put out than other fires. Luckily, in the event that a grease fire happens in your home or business there are ways to contain them and put them out safely before the damage gets out of hand. [Read more…]

The 5 Types of Restaurant Insurance for Breakfast, Lunch and Dinner

Restaurant Insurance, TJ Woods Insurance Agency, Worcester, MASo you’ve set up a restaurant. You know what’s going on the menu, what the dining room looks like, and the prices of each dish. But you are missing one key piece: insurance. Insurance is your security blanket: if things go wrong you need insurance to help you get back on track and start making profits again. That being said, let’s take a look at the five key types of insurances you need to set up your restaurant: the general Business Owner’s Policy, Liquor, Workers’ Compensation, Employee Theft, and Food Spoilage. [Read more…]