Workflow Templates: Insurance Review Checklist

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

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

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

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

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

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

Insurance Review Checklist