Whether you own a casual breakfast café or a five-star restaurant, there are some commonalities when it comes to Florida business insurance and the food industry. If you are shopping around for insurance, or have some in place now, it’s worth assessing any product to make sure you have the best type of insurance for you food business needs.
Many insurance companies sell various business insurance policies as a package, with one common type being a BOP (Business Owner’s Package). This will vary from one provider to the next and they can be tailored to suit specific industries. As a guideline, a package will include property insurance, contents and liability insurance. The latter can be very handy for the food services to cover any possible risk to the general public such as an injury due to falls on a slippery floor. Some other insurance products that may be useful to food service industries include:
• Food Contamination Endorsement – can include lost income if a restaurant is closed down for health reasons, medical testing for employees and replacement of damaged food
• Spoilage – for ruined food due to temperature control problems
• Mechanical breakdown – includes fridges, ovens etc.
• Liquor liability – if you are sued should your staff serve alcohol to an intoxicated patron who is then involved in an accident.
• Business Income Insurance (Business Interruption Insurance) – covers financial costs if you need to close for repairs after a disaster
• Workers Compensation
• Auto Insurance – covers vans, trucks and cars owned or leased by your business
To ensure your business insurance covers everything your food business needs, be sure to speak to an agent for personal advice.
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insurance for a food business in floridaFiled under: Insurance
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