Describe every service and revenue source
Restaurant and tavern submissions should identify food and alcohol receipts, patio or sidewalk dining, catering, delivery, private events and entertainment. Tell us whether the business is a cafe, full-service restaurant, bar, tavern, nightclub, ghost kitchen or multi-location group. These details help distinguish premises and food-related liability from liquor liability and other operational exposures.
Connect property protection with the cost of a shutdown
List the building or tenant improvements, kitchen equipment, refrigeration and other business property that need coverage. Request a review of equipment breakdown, perishable-stock spoilage, business income and extra expense together. A covered closure can affect rent, payroll and other continuing expenses as well as lost revenue; the cause of loss, limits, waiting periods and policy terms determine the protection available.
Prepare a coordinated request for staff and expansion
Kitchen, service and management employees can face burns, cuts and slip-and-fall injuries. Include workers' compensation and employment practices requests when reviewing the business, and compare lease requirements with existing liability limits before opening another location. Annual sales, alcohol percentage, employee information, cooking methods, current policies and loss runs help your agent review the available restaurant and bar markets.