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 -

You might wonder — “Do I still need workers’ comp insurance?” 🤔 Here’s the deal: ✅ If you’re a sole owner with no employees, it’s not...