Are you searching for insurance near Ridgewood? Are you having a hard time deciding which coverages should be included in your policy? As a new restaurant owner, there are many coverages available to ensure that you’re protected. An experienced agent can certainly help you build a system that’s appropriate for you. In the meantime, here are three of the more critical coverages that you should expect to include in your policy.
General Liability Insurance
General liability covers you in case a third-party sustains an injury or property damage on your premises. An example of this is a customer falling in your restaurant. If a lawsuit is filed, your policy will cover your attorneys’ fees as well as any damages for which you’re found liable.
Property insurance covers your building, furniture, equipment and digital assets. If they become damaged or lost because of a fire, storm, theft or vandalism, your policy will cover the cost to repair or replace them.
Workers’ Compensation Insurance
Restaurant employees work in a hazardous environment where injuries can happen at any time. If one of your employees were to get injured, your policy would cover the resulting medical expenses as well as any lost wages while he or she is out of work.
There are several options for business insurance near Ridgewood. Rather than settling for the lowest price, make sure that the one you choose is willing to customize their offerings to fit your business needs.