MFE Insurance, a Michigan entertainment insurance brokerage, recently released a blog listing the top insurance risks associated with owning and operating a restaurant. With comprehensive restaurant insurance, restaurant owners and operators can help protect their finances.

Being a new restaurant owner is an exciting experience that carries with it many risks. Your patrons or employees might injure themselves, and your property could be damaged in the process. If patrons are intoxicated while causing this damage or injuring themselves or others, you may be found liable for serving them alcohol. Food safety requires serious attention to detail that many busy owners and employees can find difficult to maintain. In the world of online reviews and social media, your business could sustain unwarranted reputational damage that hurts business as well. To avoid these concerns, it is important to be prepared for the worst and take precautions to help avoid damaging situations in the first place.

When setting up your restaurant, ensure that all of your employees are properly trained in how to handle intoxicated patrons, allergies, food storage, and other potential liabilities. Hire people who have real-world experience in the industry and are familiar with the many situations that can occur while on the job, and be sure that management is aware of how to best support staff members. When it comes to purchasing equipment, be sure to buy items that are easy to use, and train employees on how to safely use them. While you don't need to be in the restaurant every day, visit often to identify and resolve any issues that could present a liability. Finally, consider purchasing a restaurant insurance package, which can help you pay for hospital and legal bills, replace broken property, and meet other financial obligations in the event of an incident resulting in legal action or necessitating financial support.

Speak to the restaurant insurance brokers at MFE Insurance for more information about restaurant liabilities and to obtain restaurant insurance. The agency specializes in entertainment and nightlife businesses, including restaurants, bars, and nightclubs, and can provide a comprehensive and customized insurance package designed to address your specific liabilities and needs. For more information, contact the agency at 213-266-7990 or online at https://www.mfeinsurance.com/.

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