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Insurance Review Checklist
General Liability Insurance
Verify that the policy covers bodily injury and property damage that could occur in the restaurant
Ensure that the coverage limits are appropriate for the size and scope of the restaurant
Check if the policy includes product liability coverage for food-related claims
Property Insurance
Confirm that the policy covers the replacement cost of the building and contents
Review the policy for coverage of specialized equipment and fixtures
Ensure there is coverage for loss of income due to business interruption
Workers' Compensation Insurance
Check that the policy meets the statutory requirements of the state the restaurant operates in
Verify that all employees, including part-time workers, are covered under the policy
Review the experience modification rating and ensure it is accurate
Liquor Liability Insurance
Ensure the policy is in place if the restaurant serves alcohol
Review the policy limits and deductibles to confirm they are sufficient
Confirm that the policy includes coverage for defense costs in case of a claim
Food Contamination Insurance
Verify that the policy covers costs related to a foodborne illness outbreak
Check for coverage of expenses for deep cleaning and sanitization after contamination
Ensure that the policy includes business interruption coverage specific to food contamination incidents
Cyber Liability Insurance
Review the policy for coverage of data breaches and cyber-attacks
Ensure that the policy covers both first-party and third-party financial losses
Confirm there are provisions for notification costs, credit monitoring, and identity theft protection
