Restaurant & Liquor Liability Insurance in Rhode Island
Coverage for Bars, Restaurants & Catering in Cranston, RI
Running a restaurant, bar or catering operation in Rhode Island carries risk exposure at every level. A guest who overindulges and causes harm off your premises or a kitchen fire that shuts down service for weeks can result in losses that may financially threaten the business. Having the right insurance policy makes all the difference when you need to file a claim.
Essential Policies to Consider
Your unique operations will inform the right commercial insurance for your business. Caterers who operate between many locations will have a different risk profile than a brick-and-mortar restaurant. Still, there are common coverages most businesses in this industry can benefit from, including the following:
- General liability insurance: This can cover third-party bodily injury and property damage claims arising from your operations.
- Liquor liability insurance: This can help with third-party claims tied to alcohol service, including incidents involving visibly intoxicated guests.
- Commercial property insurance: This can cover damage to your building, equipment, inventory and furnishings caused by fire, theft, vandalism and certain weather events.
- Workers’ compensation insurance: This can help with your employees’ medical expenses if they are injured or become ill due to a workplace incident.
- Food spoilage coverage: This can help reimburse the cost of perishable inventory lost due to a covered event.
- Equipment breakdown insurance: This can help cover the cost to repair or replace refrigeration and other essential equipment that fails due to a mechanical or electrical breakdown.
- Commercial auto insurance: This can help cover vehicles used for business, such as delivery cars and catering vans.
How Our Team Can Help
Cormack-Routhier Agency, Inc. works with multiple carriers to match food and beverage businesses in Rhode Island to coverage that fits their operation. We review your current policies, identify gaps and present options clearly.
Contact our team to request a personalized quote.