For any restaurant, restaurant insurance coverage is an absolute must. Your insurance protects you, your employees and your guests from a number of different possible issues. What’s more, every state has specific requirements when it comes to maintaining business insurance, and you must comply with those requirements in order to stay in business. If you’re thinking about opening up a restaurant and you’re not sure what you need to get started, here are some insurance matters for you to consider.

Liability Insurance

Liability insurance will cover you financially should someone be injured on your property. This could be an injury, such as a slip or fall, or something less direct, such as food poisoning. Because these kinds of cases can be quite costly, you’ll want to ensure that you have adequate coverage to protect your restaurant, should something like this happen. Liability insurance not only includes the possibility of settlement with someone, but will cover your legal costs should you have to go to court.

Property Insurance

Property insurance is a must for any restaurant. You have no idea when or if a kitchen disaster might occur. Having protection in case of a fire can help you get back on your feet after something like this occurs. It is important for you to understand what’s covered under your property insurance. For businesses, this type of insurance can be very limited. If you want more comprehensive coverage, such as including natural disasters and/or theft, you need to let your insurance agent know.

Workers Compensation

This is a requirement in every state after you have a certain number of employees. However, even if you only have one employee, if they are injured on the job, you’re responsible for paying for their medical care. Workers comp insurance can ensure that you don’t break the bank if this happens.

While these are arguably the most important types of coverage you want to have, there are other types of restaurant insurance coverage. You should contact a local insurance agent today and discuss your insurance options, determining exactly what your business will need to get it back up and running should any worst case scenario situations occur. Browse Rsi-Insurance.com to read more.