Colorado Restaurant Insurance

Restaurant insurance is a form of commercial insurance that protects businesses in the food service industry, such as restaurants and cafes. Restaurant insurance policies cover a variety of risks, like damage to the property and liability claims. The property component of the coverage typically includes the building itself in the case of natural disaster and covered risks outlined in the policy as well as coverage for the building’s contents and equipment. Some policies also include loss of income or business interruption coverage if the business is temporarily unable to operate as a result of a covered loss. Other coverage options extend to employee theft coverage and legal fees associated with claims resulting from food poisoning or food-borne illness. Policies can be customized to the needs of restaurant owners and help protect them and their businesses.

Restaurant insurance is not required in Colorado, but some landlords or lenders may require that restaurant owners carry specific types of insurance coverage. Given the legal responsibilities and potential liabilities that accompany owning a restaurant, all restaurant owners should consider purchasing restaurant insurance. Restaurant insurance policies can be customized to fit the specific needs of the restaurant based on factors such as the type and size of the operation, the location, and type of cuisine offered.