Operating a food business comes with unique risks—from kitchen fires and food spoilage to employee workplace injuries. Depending on your specific operations, a restaurant owner should consider: ☐ General Liability ☐ Commercial Property ☐ Business Income ☐ Workers' Compensation ☐ Liquor Liability ☐ Equipment Breakdown ☐ Commercial Auto-related coverage Your insurance needs will also evolve based on your service model: - Dine-in service - Delivery - Alcohol service - Catering -

Commercial leases often require tenants to add the landlord as an Additional Insured. But why? Depending on the policy and endorsement, adding your landlord as an Additional Insured may provide them with certain liability protection in connection with your business operations on the premises. However, many business owners make a critical mistake here: Certificate Holder ≠ Additional Insured Simply listing a landlord's name in the Certificate Holder box on a COI does not grant