Fresh ingredients, unique recipes, and excellent service are a recipe for success. However, something just as important as good food is restaurant insurance coverage. The risk in restaurant business is high, and incidents run from preventable to unforeseeable.
What risks should restaurant owners be aware of? The list is long, so here are four.
1. Fires and Burns
Restaurant kitchens have hot plates, ovens, dish cleaning equipment, torches, and appliances. One small spill or electrical malfunction can spark a fire.
In addition, waiters and cooks can be burned by hot surfaces or spills.
2. Spoiled Food and Contamination
Poor management of animal proteins, power outages, and equipment failure can cause spoiled food. It can also become contaminated by unclean surfaces or when employees don’t practice hand washing.
3. Liquor
Anytime a restaurant serves liquor, it can be held liable for damage or injuries on the property.
4. Illness and Injury
Working in a kitchen implies using knives, stoves and ovens, all of which could cause injuries to the employees. Spilled liquids can cause falls, and cooks and waiters can strain muscles.
Lowering Risk in Restaurant Business Settings
While there are plenty of risks in the restaurant business, many can be mitigated by simply being aware, using the right tools, following procedures, and having a good restaurant insurance policy that can help cover costs in the case of an accident.
