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Which Restaurant Insurance in NJ Do You Need?

By: Phineas Gray
Category : Insurance
August 30, 2012

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If you want to open your very own restaurant, there are lots of areas you will need to consider before you can even think about your opening day. You need to figure out what type of restaurant you want to open, what you will serve, where it will be and many other details. Another important detail you will need to iron out is your restaurant insurance in NJ. Without insurance, you are putting your entire business at risk.

Employer Liability Insurance

As a restaurant owner, you will need to make sure you have employer liability insurance. This type of insurance will cover your employees while they are working in your restaurant. If anyone becomes injured on the job, this type of insurance will cover you so you won't need to figure out how to pay for all the bills associated with the injury. Without this type of insurance, you are at risk every time someone punches in for their shift.

Public Liability Insurance

Your restaurant provides a service to the general public, which means you need insurance that will cover them as well. As you consider your options for restaurant insurance in NJ, make sure you have a good public liability insurance policy. This area of the policy will protect you if someone eating in your restaurant is injured or becomes ill because of the food they ate. This coverage will also apply to each patron's personal belongings.

Specialty Insurance

There are so many kinds of restaurant insurance available it can be difficult to figure out what each one is for and how it will help you. An insurance agent can help you figure out which ones you will need to ensure the safety of your business. Some of the common types of insurance include glass insurance, which covers any broken windows or doors, and legal insurance, which can help you pay for your legal fees if someone sues you.

Having the proper restaurant insurance in NJ will ensure your restaurant will be successful without worrying about the detrimental effects of not being able to pay for any damages. Insurance is important to protect the financial aspect of your business. This is why it is important to have employer liability insurance and public liability insurance, as well as other types of insurance specific to restaurants, to ensure your business is safe. Talking to a qualified insurance agent will ensure you have just the right coverage to open your restaurant.

To learn more about the different types of restaurant insurance in NJ and find out what you need, visit