The exact coverages included in a restaurant policy can usually be customized to meet a particular eatery’s needs, so policies don’t always have the same exact list of protections.

There are, however, a number of Restaurant Property Insurance coverages and Restaurant Liability Insurance coverages that many policies make available. Some of these common protections include:

• Commercial Property Insurance, which might protect an owned building

• Tenants Betterment Insurance, which might protect improvements made to a leased space

• Food Contamination Insurance, which might protect foods and ingredients

• Commercial Auto Insurance, which might protect owned vehicles

• General Liability Insurance, which might cover several common accidents

• Product Liability Insurance, which might cover cases of foodborne illness

• Liquor Liability Insurance, which might cover alcohol-induced incidents

• Umbrella Liability Insurance, which might offer additional liability protection

Generally speaking, Restaurant Property Insurance coverages normally offer protection against a range of perils that could result in the loss or damage of property. Restaurant Liability Insurance coverages typically cover legal defense fees, settlements and claims associated with covered incidents.

Eateries that have company vehicles typically need a full-fledged Commercial Auto Insurance policy, which is similar to a personal auto policy but adjusted for a business.

Eateries that have employees drive personal cars while making delivers or for other purposes might only need a hired and non-owned auto policy. This type of policy is usually written to insure covered vehicles that aren’t owned by a business but used for work at times.

Restaurant owners who are unsure which type of auto coverage their eatery needs should talk with an insurance agent who specializes in insuring foodservice businesses. A specialized agent will know what types of auto policies are available and when each type is most useful. They can also assist with any other coverage decisions that have to be made.

Most restaurants have employees and therefore, need Worker's Compensation Insurance.

This is one coverage, though, that’s usually not found among a policy’s Restaurant Liability Insurance protections. Instead, Worker's Compensation Insurance is often purchased as a separate, individual policy.