Vianca's Insurance & Financial Services
Translate to Spanish
  • Home
  • Quotes
    • Auto Quotes >
      • Auto Quote
      • ATV Insurance Quote
      • Classic Car Insurance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Business Quotes >
      • Business Quote
      • Business Owners Package (BOP) Insurance Quote
      • Event Insurance Quote
      • Group Benefits Insurance Quote
      • Insurance Bonds Quote
      • Workers Compensation Quote
    • Health Quotes >
      • Health Quote
      • Critical Illness Insurance Quote
      • Dental Insurance Quote
      • Long Term Care Insurance Quote
      • Medicare Supplement Coverage Quote
      • Vision Insurance Quote
    • Life & Financial Quotes >
      • Life Quote
      • Annuity Quotes
      • Disability Quote
      • Final Expense Insurance Quote
    • Property Quotes >
      • Condo Quote
      • Earthquake Insurance Quote
      • Homeowner Quote
      • Landlords Insurance Quote
      • Renters Quote
    • Other Quotes >
      • Umbrella Quote
      • Travel Quote
      • Wedding Quote
  • Service
    • Update Contact Info
    • Proof of Insurance
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Products
    • Motor Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • RV Insurance
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Event Insurance
      • Group Benefits
      • Insurance Bonds
      • Workers Compensation
    • Health >
      • Health Insurance
      • Critical Illness Insurance
      • Dental Insurance
      • Long Term Care Insurance
      • Medicare Supplement Coverage
      • Vision Insurance
    • Life/Financial >
      • Life Insurance Calculator
      • Life Insurance >
        • 14 Signs you need life insurance
      • Annuities
      • Disability Insurance
      • Final Expense Insurance
      • Financial Planning
      • Umbrella Insurance
    • Property >
      • Home Insurance
      • Condo Insurance
      • Earthquake Insurance
      • Landlords Insurance
      • Renters Insurance
    • Other >
      • Travel Insurance
      • Wedding Insurance
  • Blog
  • About
    • Staff Directory
    • Agency Photo Gallery
    • Insurance Carriers
    • Local Links
    • Client Testimonials
    • Refer a Friend
    • News
    • Videos
    • Careers
    • Privacy Policy
  • Contact
  • Life Insurance Awareness
  • Growing Investments
  • Employee vs Independent Contractor
  • Savings Accounts Not Meant For Growth
  • Crticial Illness
  • Win-Win Route of Investment Vehicles
  • Financial
  • If you survive, will you get by?
  • Critical Illness
  • Low Cost Auto Insurance
  • Workers' Compensation Law

Different Types of Insurance for your Restaurant

4/25/2017

0 Comments

 
Picture
When starting a business, one of the important things to consider is having it insured whenever huge problems occur. This is to protect you, your establishment, as well as your finances.
When you are opening a new restaurant and you plan to purchase insurance to protect your business, choose a trusted insurance agent - on that will educate you on your policy and find you the best rates. With that, your investment will never go to waste. Depending on your location, you will need certain types of insurance for your restaurant.

Common Restaurant Insurance 
 Property Insurance – this is a policy that provides financial reimbursement to the owner or renter of a structure and its contents, in the event of damage or theft. So if you have a mortgage on your business, it is best to purchase this insurance policy.
​
General Liability – this helps protect your business from property damage claims, bodily injury claims, and/or personal and advertising injury claims that could put your business’s assets at risk. Let’s say, a customer slips and injures himself in your store. The injuries result in costly medical bills and maybe even a lawsuit.
 
Liquor Liability - Any establishment that sells, serves, or assists in the purchase or use of liquor opens its doors for a liability claim as a consequence of someone getting drunk to the extent that injuries or property damages are the result.
 
​Automobile Liability – this is a financial protection for a driver who, while operating a vehicle, harms someone else or their property. Automobile liability insurance only covers injuries or damages to third parties and their property, not to the driver or the driver's property.
 
​Workers Compensation - is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.
 
​Unemployment Insurance - Workers who quit or who are self-employed are generally not eligible for unemployment insurance and must provide their own rainy-day funds to cover situations where no work is available. Unemployment insurance, for those who are eligible, is paid to workers by state governments from a fund of unemployment taxes collected from employers.
 
​Life Insurance - purchasing life insurance is a smart idea especially if you are thinking of you and your family’s welfare.  A life insurance policy will protect them from possible financial burdens in case something bad might happen to you. Also, when you are carrying a mortgage on your restaurant, it will help to satisfy your lender.
 
​Fire Insurance – Aside from its coverage from damage and loss to a property because of fire, it also covers the cost of replacement and repair or reconstruction above what the property insurance policy covers.
 
 
Other Restaurant Insurance


​Loss of Business Insurance – this type of policy would help you recoup your income whenever there is loss in the sales through a specific cause.  But you have to remember that the premiums and deductible will depend on how much you’ve lost.
 
Food Contamination Insurance – if the food in your freezer got spoiled due to interrupted power, this policy will pay to replace your food.
 
Specific Peril Insurance – natural disasters like earthquakes, floods, or power outages may be covered under this insurance, which the general liability insurance doesn’t cover.

Vianca's Insurance and Financial Services can help you with your insurance needs through excellent customer relations and providing you customized insurance at lower rates. Contact us today at (619) 799-9443 or visit our office. Click here to get a free quote.​
0 Comments



Leave a Reply.

    Contact Us

    (619) 799-9443
    737 3rd Ave Suite B
    Chula Vista, CA 91910​
    Click Here to Email Us

    Archives

    March 2018
    February 2018
    January 2018
    December 2017
    November 2017
    October 2017
    September 2017
    August 2017
    July 2017
    June 2017
    May 2017
    April 2017
    March 2017
    February 2017
    January 2017
    August 2016

    Categories

    All
    Auto Insurance
    Car
    FAQs
    Financial
    Health Insurance
    Homeowners Insurance
    Illegal
    Injury
    Insurance
    Life Insurance
    Local
    Safety
    Sue
    Travel

    RSS Feed

Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Contact Us
Privacy Policy
Agent Login

Social Media

Facebook
Twitter
Linkedin
Youtube
Google+

Contact Us

Vianca's Insurance & Financial Services
737 3rd Ave Suite B
Chula Vista, CA 91910
(619) 799-9443
Click Here to Email Us

Location

Website by InsuranceSplash
✕