Restaurant Insurance - What to Consider

When it comes to insuring your restaurant, do you know what all you need to consider? Westfield can help ease your mind because we understand the restaurant business - we own and operate banquet, restaurant and corporate food services of our own.

Consider these questions when talking with your insurance agent:

• What would happen if an employee is at fault in an auto accident while picking up supplies for your restaurant?
  
  
• Who would pay if a valet caused damage to a customer's automobile?
  
  
• Would you have coverage if a dining guest slips on a spilled beverage?
  
  
• Who will pay if a customer eats tainted or spoiled food due to age, contamination, improper storage or incorrect temperature controls?
  
  
• Will your employees be taken care of if they are injured on the job?
  
  
• Will your cash, stock or liquor be replaced if there is a robbery?
  
  
• With all of the fire sources found in a restaurant, will you be able to rebuild your establishment and furnish it if everything is destroyed by fire?
  
  
• Is coverage provided if a claim arises when an employee serves too much alcohol to a patron?
  
  
• Restaurants rely heavily on refrigeration. Who will pay the cost to repair a breakdown and replace perishable goods that are destroyed as a result of the breakdown?