THURSDAY, JUNE 25, 2020
 Even the most well-kept restaurant can be a dangerous place for guests and employees alike. With frequent spills, slippery floors, hot plates and knives, there are bound to be injuries. It’s crucial to have a plan when medical attention is necessary, as well as having a first aid kit ready. Another important step, however, is making sure you have the right insurance to take care of the financial side of a restaurant injury.
Most of the time, guests don’t have non-slip shoes like employees do, leaving them more susceptible to slips and falls. Children are also prone to accidents, whether running around or climbing on furniture.
If a guest is injured, their injuries should be covered under a restaurant’s general liability insurance policy. General liability insurance covers accidents of bodily injury and property damage that occur to guests and third parties on the business’ property. This may often include coverage for food poisoning. General liability insurance helps with medical expenses for the victim as well as protects the restaurant from lawsuits related to the injury.
As far as insurance is concerned, employee injuries are not treated the same as guest injuries when they are on the clock. Unfortunately, employees face the most danger in a restaurant. Not only must they walk the floor, but they often handle hot dishes, knives and life heavy equipment or boxes. Employee injuries are not covered under general liability insurance, but under workers compensation insurance. Workers compensation insurance provides assistance for employees that are injured on the job by offering help with expenses related to:
In most states, workers compensation insurance is required based on the industry and number of employees. All states except Texas require restaurants to carry workers compensation insurance. South Carolina, for example, requires employers to offer workers compensation if they have four or more employees.
How Much is Liability Insurance for a Restaurant?
Business insurance rates vary depending on industry, location, number of employees, credit score, coverage limits, claims history and more. General liability insurance for a restaurant can cost anywhere between $500 and $6,000 a year. Workers compensation, on the other hand, is calculated based off of payroll. On average, a restaurant may pay around $1,480 a year for workers compensation insurance.
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