What Claims Are Not Covered by Restaurant General Liability Insurance?
3 Things That May Not Be Covered by Your Restaurant General Liability Policy
1. Property damage to your improvements or inventory
2. Workers Compensation
3. Employment Practices Liability coverage if you are sued for discrimination or sexual harassment
General liability covers bodily injury and property damage to a third party. If customer slips and falls, has hot coffee spilled on them, or falls down the stairs in the restaurant- those are third party bodily injury claims.
General liability also covers third party property, property damage if there is a kitchen fire, or other damage to the building. Your landlord expects compensation for the damages, which is what the liability insurance covers.
You may want to make sure you also have property coverage to protect your investment in the restaurant such as improvements you’ve made or inventory you have.
Of course, workers’ compensation is not covered by general liability insurance. If your employees are injured on the job, they are entitled to be paid for their lost wages and medical expenses.
An important additional coverage not included in general liability that we highly recommend for all restaurants is Employment Practices Liability Insurance, also known as “EPLI.” It protects businesses from employee related claims such as discrimination or sexual harassment that occurs on the job whether the claim is against an owner on another employee. You want to make sure that you have EPLI coverage because just the legal fees alone could add up tens of thousand dollars to defend a claim whether you win or lose.
If you want to make sure your insurance doesn’t have potentially costly coverage gaps, give us a call and we would be happy to evaluate your restaurant. Click Here to schedule a meeting directly.