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Frequently Asked Questions
Restaurant Insurance Information
What kind of insurance does your restaurant need?
Restaurant owners have much to consider when designing their insurance portfolios and our Advisors at William Blount & Associates can help guide you toward the insurance package that is right for your restaurant. Here are just a few of the insurance options restaurateurs can pick from to help minimize their financial risk from lawsuits, failed equipment, and property losses.
Restaurants may also be able to secure all-in-one coverage, which is a comprehensive policy that is tailored to the many facets of risks that restaurant owners face.
Property insurance-- will offer financial protection in the event that the restaurant’s property (either its building structure or contents) is ruined or damaged in an insurable event such as a fire or theft.
Spoilage coverage-- will provide payment if power is lost or equipment malfunctions and the perishable food on hand spoils.
Employment practices liability-- will protect against lawsuits for various employee complaints including discrimination, provided the treatment was not willful.
Equipment breakdown-- will cover the cost of repair for equipment that has broken down including cookers, refrigerators and air conditioning units. (Please note: if the breakdown occurs due to lack of proper maintenance, the claim may not be covered.)
Workers compensation insurance-- will pay for medical expenses and some lost wages should an employee be injured on the job.
Business continuation insurance-- will provide ongoing income in the event that your business is forced to shut down due to a covered loss. Alternatively, it could pay for some of the expenses of temporary relocation of your restaurant.
Liquor legal liability insurance-- will help pay legal expenses and claims brought on by customers who may be injured by an individual who was drinking in your establishment.
Knoxville Main Office:
9700 Westland Dr, Suite 102, Knoxville, TN 37922
Knoxville Downtown Office:
130 W Jackson Ave, Suite 105, Knoxville, TN 37902
c/o Industrious, 1033 Demonbreun St, Suite 300, Nashville, TN 37203
This website is intended to stimulate dialogue about your protection and does not alter or interpret your insurance policies. Always refer to your policy for details about your coverage.