Restaurant Insurance Claim:

Restaurant Public Adjuster - FLAPACommon Issues That Leave You Exposed to Restaurant Insurance Claims. With the presence of knives, cooking equipment, fire and other flammable products, restaurants aren’t exactly the safest places in the world. A report by the Federal Emergency Management Agency, in collaboration with the U.S. Fire Administration and National Fire Data Center, shows that in 2002, “an estimated 7,100 restaurant structure fires were responsible for 108 civilian fire injuries and $116 million in property loss.”

Fires, however, are just one issue that can leave restaurants exposed to restaurant insurance claims. Even if your restaurant business is insured against a number of potential problems, such as theft, slips and falls, and natural disasters, prevention is still better than cure.

Below are some issues you should pay close attention to.

1. Crime

Restaurants are usually cash-heavy businesses. They also tend to keep expensive ingredients and liquor products as part of restaurant stock. Fine dining establishments may also have expensive artwork and memorabilia. All these things make restaurants an attractive target for burglars and other criminal elements. Here are some best practices to solve these problems:

  • Have an unpredictable schedule for cash deposits in a safe and bank.
  • Frequently check in-house supplies, and installing
  • Install security cameras
  • Hire security personnel

Injuries within the Premises

Slips and falls are the most common cause of injuries in restaurants, and they can be very expensive if you’re found liable. If a customer is injured in a slip-and-fall accident, expect to pay $50,000 if you’re hit with a lawsuit—this can increase if you lose the case. As always, prevention is better than cure. Repair any cracks or uneven sections of your restaurant’s stairs and floors, keep walkways for patrons clear of obstructions, and avoid storing supplies in areas that can be hazards for slips and falls.

Liquor Liability

Your restaurant’s liquor liability insurance exposure will depend on the type and amount of liquor you serve to patrons, as well as your state’s policies on who you're allowed to sell alcohol to and how much you can sell. This is why it’s important to seek the advice of an insurance professional with firsthand knowledge of your state’s liquor serving requirements.

Any employees who serve alcohol to patrons must undergo sufficient training and know how to identify if a customer is dangerously intoxicated. You can also adopt restaurant policies that promote safety, such as free taxi services and designated driver, which will help prevent liquor related claims.

4. Worker’s Compensation

This deserves an entire section on its own due to the potential hazards in a restaurant, particularly the kitchen. Besides slip-and-fall accidents, common injuries that can lead to workers’ compensation claims are cuts, burns, and sprains and muscle strain caused by heavy and improper lifting.

Employees should be trained on how to:

  • Handle food and other ingredients safely
  • Use cooking equipment safely
  • Carry dish loads and supplies safely
  • Put out fires with fire extinguishers and other fire safety equipment

For more advice on how to deal with restaurant insurance claims, call Florida Public Adjusters at (786) 537–7753 for a free inspection. Be sure to contact us BEFORE calling the insurance company.

Call FLAPA: (786) 537-7753

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