Restaurant Insurance Oklahoma

Restaurant insurance is a bundle of policies designed to cover the unique risks of running a food-service business. Whether you own a small café, a family diner, or a high-end restaurant, this type of insurance helps protect your assets, employees, and customers.

This is a must-have for any restaurant. It covers customer injuries, property damage, and even advertising-related lawsuits. For example, if a customer slips and falls in your dining area, this policy helps cover their medical bills and your legal fees.

Your building, furniture, and equipment are all critical to your operations. Property insurance protects these assets from risks like fire, theft, and natural disasters. That’s especially crucial in Oklahoma, where tornadoes and hailstorms are common. Your property insurance policy will protect against threats like:

Your employees are your greatest asset. Workers’ compensation covers their medical expenses and lost wages if they’re injured on the job. In Oklahoma, it’s legally required for businesses with five or more employees. Even if you have fewer employees than the state’s minimum requirement, carrying workers’ comp coverage is a smart idea. It’s about protecting not just your workers, but your business. Workers’ comp can help:

If your restaurant has to close temporarily due to a covered event, like a severe storm or fire, business interruption insurance helps cover lost income and ongoing expenses. Threats that might force you to close and potentially leave you without power for days include:

If you want your restaurant to serve alcohol, this policy is essential. It protects you if a customer causes harm or property damage after being served alcohol at your establishment. It’s also a requirement by the state government (and you’ll need to carry a general liability policy, too). With this insurance, you benefit from:

If you want your restaurant to serve alcohol, this policy is essential. It protects you if a customer causes harm or property damage after being served alcohol at your establishment. It’s also a requirement by the state government (and you’ll need to carry a general liability policy, too). With this insurance, you benefit from:

• Equipment repairs or replacements

Do you use your personal vehicle to deliver food? Do you have a truck for catering? Whatever the case, you’ll need commercial auto insurance to cover any vehicle used for work-related purposes. Such a policy will include:

• Liability protection to cover others in the event of an at-fault accident

There’s no one-size-fits-all cost when it comes to Oklahoma restaurant insurance. You’ll need to tailor your policy to fit your business’s specific risks. For instance, a café with just three employees will need much different coverage than a local chain that also caters for events.

The cost of your policy depends on factors like:

• The size and location of your restaurant