Hot surfaces, sharp knives, food borne illnesses, customers coming and going on a daily basis – restaurant owners face a multitude of industry specific risks. That’s in addition to the typical concerns most small businesses must prepare for. Property damage or the loss of important customers, vendors, employee files or records are all potential issues.
When it comes to business insurance, our research shows that small business owners are looking for coverage that’s just right — not too much or too little. We have partnered with Zurich to create a commercial package policy that helps protect your franchise business, in much the same way a homeowner’s insurance policy protects your home and personal belongings.
Our commercial package strikes the right balance, offering protection that meets the unique needs of a restaurant franchise Owner/Operator at a competitive price. Click below to see how these coverages can work for you and your business.
General liability helps protect your restaurant from certain lawsuits alleging injuries or property damage that occurred as the result of your business operations.
For example, if a patron trips and is injured while walking in your restaurant, or a server spills food and ruins a patron’s jacket, general liability will be there to help. It even helps cover certain claims of slander and libel against restaurant owners. Business liability insurance does not cover liabilities directly arising out of the professional services your restaurant may provide, so it's important to have general liability to cover these types of liabilities.
Did you know the average cost to rebuild a freestanding restaurant franchise location is $2.5 million? Commercial property helps cover the physical location of your restaurant and the tools used for running your restaurant business, whether you own or lease them. Examples include:
Business income helps cover the loss of income when you can’t run your restaurant because of covered property damage.
Who is the insurer?
Marsh Sponsored Programs has partnered with Zurich to provide this commercial package program to restaurant franchise owner/operators.
Who is eligible and how do I apply?
Is there an installment plan available?
Restaurant injuries due to slips and falls are increasing at a rate of 10%. That's in addition to the more than three million annually. Learn important precautions you can take to protect your customers from slips and falls, potentially reducing claims.