It is required by Californian law for all businesses to be insured. Restaurants in particular need to be sure they are protected or else they could be facing heavy fines. As you are looking through all the insurance providers in your area, here are some things to look out for when getting restaurant insurance in California.
Experience With Restaurants
Many companies will say they offer businesses general liability insurance and other types of coverages. However, you want to be certain that the provider you are working with has dealt with restaurants specifically before. Eating establishments face unique risks, and you need someone who can craft a comprehensive policy that covers every possible thing that could happen.
Someone Who Ensures Everything Is Covered
Every aspect of your restaurant needs protection. You need a policy that will assist injured employees. You need a policy that will help replace appliances that get damaged over time. Finally, you need a policy that will protect the building itself in case it gets vandalized. You need an insurance provider who will do all that, and everything should be brought up during the initial consultation.
Restaurant insurance in California is not something to be ignored. Although you will have a lot on your plate as you are trying to open this new business venture, make sure insurance is not forgotten.