Colorado Restaurant Insurance

June 27, 2011

Greenpoint Insurance Advisors, LLC

All Rights Reserved

At Greenpoint Insurance, we understand the risk associated with running a restaurant. For this reason, it’s important to have a complete and comprehensive restaurant insurance program.

Here are important guidelines for obtaining restaurant insurance:

1. Consider higher general liability limits of $2,000,000/$4,000,000 to make sure you have adequate coverage.
2. Be sure to have equipment breakdown coverage for your restaurant. If something goes wrong with a piece of equipment it could affect your business adversely.
3. Restaurants have high exposure to theft of money and securities. Do you have adequate coverage or limits if money is stolen from your business.
4. The refrigeration equipment is one of your most important assets. Be sure to have spoilage coverage with sufficient limits. Otherwise, you could be stuck withpaying for spoiled food products.
5. Websites and social media has made it easier for restaurants to advertise and find new customers. However, there’s risk associated if something is advertised on to the internet erroneously causing harm to a competitor or another party. For this reason, restaurants should consider coverage for their internet presence for personal injury, advertising injury, and worldwide website injury. We call it website injury protection.
6. Make sure you have business income and extra expense. This coverage acts like a disability policy if something goes wrong, providing your business with income after claim.
7. Insure your business property to value and have replacement cost coverage. If a fire burns your restaurant equipment, an under insured refrigerator, for example, could result in a penalty from the insurance company.
8. Do you have liquor liability exposure? Make sure you have the coverage or endorsement on the policy.
9. Insure your business with a major company like Travelers insurance. They offer excellent value and claims experience. The saying, you get what you pay for is true.
10. Insure your restaurant with an insurance agency willing to go that extra mile. Greenpoint insurance works hard to keep our customers satisfied with their decision.

If you need a quote for your Colorado Restaurant, call 303-841-8999 or click: Colorado Restaurant Insurance Quote

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Tagged as: Adequate Coverage, Business Income, Business Property, Colorado Restaurant, Disability Policy, High Exposure, Insurance Advisors, Insurance Company, Insurance Program, Insurance Quote, Internet Presence, Liability Exposure, Liability Limits, Liquor Liability, Refrigeration Equipment, Restaurant Equipment, Restaurant Insurance, Spoilage, Travelers Insurance, Worldwide Website