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General Liability Insurance Protects the business from law suits stemming from: 1.) Bodily Injury A Patron gets hurts as a result of your negligence. The most common situations involve slip and fall, trip and fall, burns and scalds from hot food or beverages, or assault and battery. 2.) Products and Completed Operations Some one suffers a loss as a result of the "product" that you serve (Food/Drink). Common occurrences include chipped/broken tooth from an object in the food, and food poisoning. 3.) Personal/Advertising Injury Personal Injury claims involve liable, slander, wrongful eviction, and wrongful arrest. Advertising Injury is a statement made in the course of advertising activities that causes loss to another person or business by defamation, violation of a right of privacy, piracy or misappropriation of ideas, or infringement of copyright, trademark, title or slogan.
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Is my restaurant covered under my landlord's insurance if it burns down?
The structure is covered but the contents of the restaurant are not. For instance, your ovens, sinks, dishes fixtures, tables,etc would not be covered. You must have liability insurance for the CONTENTS of the restaurant. I don't know everything about insurance, but I do know that liability insurance won't replace your furnishings. You will need the commercial equivalent of the comprehensive part of Homeowners Insurance.
Do you need a car to get liability insurance?
Automobile Liability insurance, YES. Liability insurance, NO. There are many kinds of liability insurance.
What kind of insurance do you need for a restaurant?
A restaurant Business Owners policy with good liability should do the trick. You'll also need workers comp, and for the owner, life insurance, Disability Insurance and eventually a good retirement plan. Call an agent that works with commercial insurance.
What can you do if you have liability who was hit by someone with liability insurance?
If you have liability for an accident, you will need to contact your insurance company. If you do not have liability insurance, you may need to pay for the accident out of pocket.
What type of insurance would a Thai restaurant need to legally function?
There is a specific type of insurance for all restaurants. For Thai restaurants , it would be ideal to get a commercial property insurance or in the alternative, a general liability insurance.
What kind of liability insurance does a private fitness instructor need?
Your need Professional Liability
You are starting a residential cleaning business Should you get general liability insurance or professional liability insurance?
You need a commercial general liability policy.
What type of insurance does an elevator maintenance company need?
You Need General Liability Insurance.
What type of insurance do you need to operate and own a barber shop?
There are many types of insurance you will need to own and operate your barbershop. The most important insurance will be liability insurance. Liability insurance will protect you in the event someone is injured on your property.
What kind of liability insurance does a nurse staffing agency need?
A commerical liability policy.
Insurance for mobile mechanic repairs?
You need commercial General Liability Insurance
When renting from a church do you need liability insurance?
yes
