Utah Restaurant Insurance

Utah doesn’t require you to carry general liability insurance. However, it’s something you shouldn’t overlook. This coverage protects you from claims related to third-party bodily injuries, property damage, and advertising injuries. For example, let’s say a patron slips on a wet floor in your restaurant. In that case, general liability insurance can cover medical expenses and legal fees. Industry standards often recommend coverage of $1 million per occurrence and $2 million aggregate.

In Utah, all businesses with employees are required to carry workers’ compensation insurance. This coverage ensures that if an employee is injured on the job, their medical expenses and lost wages are covered. For example, if a kitchen worker is burned while cooking, workers’ compensation will handle their treatment costs and compensate for any lost income during recovery.

Utah has a pretty diverse climate. Hot summers, cold winters, and serious storms all mean your restaurant could be damaged, flooded, or even catch on fire. Commercial property insurance protects your building, equipment, and inventory from those threats so that your investment is safe against unforeseen events.

If your restaurant serves alcohol, liquor liability insurance is mandatory in Utah. It covers claims related to alcohol-induced incidents, like a patron being overserved and then doing damage or harm afterward. Note that Utah has some specific requirements you’ll need to follow in addition to buying liquor liability insurance. For example, all of your management staff will need to complete an alcohol training and education seminar.

Finally, you’ll want to consider commercial auto insurance. But wait, you say. I don’t own a business vehicle, and I don’t use my car for catering. That might be the case, but if you use your vehicle for anything related to your business, like going to the bank to make a deposit or getting supplies from the store downtown, and are involved in an accident, your personal policy probably won’t cover it. Commercial auto insurance protects you (or your employee), your vehicle, other vehicles involved in the accident, and public and private property that might be damaged.