Protecting Your Restaurant from Customer-Related Liabilities

Providing excellent customer service in the restaurant business can be a rewarding challenge, as you probably know if you’re a restaurateur. You interact with customers every day of the week to give them a great dining experience. However, the customers you rely on for patronage can often be your biggest risk. Sometimes one customer can have a bad experience and take legal action against you, whether you’re at fault or not. This can have a lot of far-reaching consequences that seriously damage your business.

Fortunately, there are ways to protect yourself from any customer claims you might come up against. Having liability insurance protects you from insurance claims made by unhappy customers, which allows you to continue providing service without fear of business interruption or loss of reputation. Here are some of the different kinds of liability insurance that you should include in your restaurant’s policy:

  • Commercial Liability: This kind of insurance protects you from customers who take legal action against you because they were injured on your restaurant’s property. While such occurrences aren’t terribly frequent, at some point you will probably have to deal with a customer who either claims to  have fallen in your establishment or to have broken a tooth eating your food. With commercial liability, you don’t have to worry about how such claims might affect your business.
  • Liquor Liability: If you serve alcoholic beverages as a regular part of your menu, you know that occasionally you might see a customer who doesn’t drink responsibly. Liquor liability insurance protects you in the event that intoxicated customers injure another person or themselves, whether or not they are on restaurant property.
  • Food Liability: Naturally, you strive to create and serve food that your customers will keep coming back for. Unfortunately, sometimes some of those customers come back with claims that your food made them ill instead of glowing reviews. In cases such as these, there are a lot of factors that can affect the state of the food you serve. Perhaps one of your vendors sold you an expired product without telling you. Maybe your equipment’s service temporarily failed and some products were affected without your knowledge. Whatever the cause, having food liability insurance will protect you from related customer claims.

Ideally, you’d never have to worry about dealing with any risks in the day-to-day operation of your restaurant. However, you know that it’s best to be prepared for any event, especially those put into motion by the people who walk through your door every day. If you would like to learn more about what kinds of liability coverage you should include in your policy, contact us at Reed Street Running shoes brand | Nike, adidas, Converse & More