Insurance for the Hospitality Industry May Be Necessary

Businesses in the hospitality industry can often face issues normally not experienced by other industries. Nightclubs, restaurants, live music venues and similar places may get sued for variety of reasons such as assault due to intoxication or injury from slipping on spilled drinks. The right insurance for the hospitality industry can assist owners of hospitality venues if these incidents occur.

There are usually various types of hospitality industry insurance with each type specializing in different needs. General liability insurance often helps hospitality clients who get may get sued for many reasons. Regardless whether the venue may legitimately be held responsible, some may try to make money and make claims that are beyond reasonable. Certain insurance policies, however, will typically not only insure the hospitality in such cases, they may also thoroughly investigate the claims to determine if these claims are justifiable.

Another type of insurance for the hospitality industry may be insurance for incidents that happen away from the venue. For example, a patron may come home after eating a delicious meal at a restaurant and start feeling ill from poisoning. As a result of their distress and medical bills, this individual can then press charges against the restaurant. Unfortunately, some insurance policies may not assist the restaurant in this case, since the illness occurred away from the premises. An insurance policy that covers these types of events can better protect businesses in the hospitality industry.

The hospitality industry can experience many problems. Fortunately, with a good hospitality insurance policy, the solution may readily be available.

It’s Time to Put Safety First and Insure Your Bar

insurance for bars

Bars and taverns are known for bringing people together and offer an ideal place to unwind or relieve stress. If you own a bar, you are mostly likely focused on providing a positive experience for your customers and creating an atmosphere they feel comfortable in. In order to successfully ensure the safety of both your employees and customers, it is critical to become aware of the important of insurance for bars. There are countless benefits to having insurance. It can make prevention and recovery from losses and damages easier, which will allow you to not be in a constant state of fear or worry.

Without insurance, a damage or injury could force you to shut down your bar. It is better to be safe now and make small payments then wish you had obtained insurance later on. Although making payments continually may seem daunting or unnecessary, you will thank yourself when you are potentially hit with a large payment that is covered by insurance. Insurance for bars is especially crucial due to the possibility of alcoholic incidents. When people are under the influence, their chances of an accident are heightened, and they are more prone to initiate violent acts if something does not go their way. Be sure to ensure your bar today before an incident occurs.

Safety Tips and Fine Dining Insurance


fine dining insurance
fine dining insurance

Restaurant owners rely on a lot of people for the smooth running, and also the success, of their establishments. Customers expect a really nice experience, and the host, or hostess, waiters, chefs, and busboys all play an important role in how diners feel during their visit.


Restaurant workers all share the responsibility for safety so that no one gets injured, and no one ends up with a plate of food in their lap. Of course, one should have fine dining insurance in place, but preventing accidents and injuries is the first line of defense. Following are some safety tips:


  • Owners should require that all employees wear comfortable and supportive shoes with a slip resistant sole. Having the proper footwear protects them from potentially slippery dining room and kitchen floors. 


  • Consider having some anti-fatigue mats for areas that workers constantly stand in, such as food prep and service areas, or podiums and front desks. While having dim lighting in the restaurant sets a mood, it can also cause slips, trips and falls when people can’t see hazards that may exist in the walkways or hallways. Make sure that when there are spills in the dining area that someone cleans them up promptly.


  • Restaurant hosts represent the first impression that many diners get when they enter a restaurant, so proper dress is important, but they also need to wear clothing that they can stand in, as well as walk around in for long periods of time, to avoid injuries that can end up in workers compensation claims.


  • A restaurant should post procedures for a fire, evacuation, or first aid emergency. Keep emergency numbers handy and know where emergency equipment, routes, and exits are throughout the restaurant. Should a serious incident occur, be prepared to respond to emergencies and direct staff and patrons to a safe exit.


Other hazards and concerns


Customers like when their food arrives quickly and it is still hot, however, quick service could lead to accidents. A few safety tips for any dining establishment should include the following:


  • Follow in/out patterns into kitchen and service areas 


  • Watch for hazards such as hot surfaces


  • Keep trays close to the body whenever carrying them


  • Don’t overload trays, and


  • Don’t carry sharp knives in apron pockets


Injuries lead to lawsuits or workers compensation claims, neither of which is desired, but with safety protocols and fine dining insurance in place, accidents can be mitigated and insured against. Speak to a qualified insurance agent about any needs or concerns specific to a restaurant’s operation and how it should be best insured.