3 Main Types of Utah Restaurant Insurance

Jell-O may be the official food of Utah, but there is a lot more involved in running a restaurant than just serving it. Besides great food, having restaurant insurance in Utah is key to being successful. Here are three of the main types and what each covers.

Commercial General Liability

One incident of food poisoning doesn’t have to cost you your business in medical bills and legal fees. General liability protects you when mishaps occur to customers. Not only does it cover damages, but it pays to protect your reputation in court.

Liquor Liability

Unless you do business in one of Utah’s nine dry cities, serving liquor is a smart business move. Because people drinking alcohol do not always act smart, however, having insurance to protect you from their actions is very important. A liquor liability policy even pays for personal injuries that occur after patrons have left your establishment.

Workers’ Compensation

Like most states, Utah state law requires restaurants to carry workers’ compensation. This coverage protects your employees in case they are injured at work. It also covers them if they are injured while driving a company vehicle.

There are other policies you might want to include, depending on your unique venue. However, the three above are must-haves for anyone in the restaurant industry.