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Food poisoning, grease fires, equipment breakdown, and customer slips and falls are all risks that Manitoba fast food restaurant owners can face. Does your business insurance minimize these risks?
You can minimize these risks by customizing your Manitoba fast food restaurant insurance to make sure you are protected against lawsuits, customer injuries, and expensive repairs.
You need an insurance package if you operate a Manitoba fast food restaurant that sells:
You need to protect your Manitoba fast food restaurant from the potential risks associated with its daily operations. That’s what a fast food insurance package does.
Without business insurance, you would have to cover these costs out of your own pocket. That’s an expensive risk to take on.
CGL insurance helps protect your Manitoba fast food restaurant from a loss if you’re found legally liable for third-party bodily injuries involving a customer, supplier, or member of the public.
CGL can help pay legal and medical costs if a customer is injured at your restaurant; for example, they slip on wet floor or on an icy patch on your restaurant’s sidewalk.
It’s important to note that without commercial liability insurance, you would be responsible for paying any liability costs out of your own pocket.
Your CGL policy also can help protect you from libel, slander, copyright infringement, and false advertising allegations.
It’s not uncommon that a fast food restaurant would carry at least $2 million in CGL coverage, depending on the size of your operation.
The size of your fast food restaurant, number of employees, and claims history will be factors in how much commercial general liability insurance you need.
Whether you own or rent your Manitoba fast food restaurant location, commercial property insurance protects your business and its contents from insured risks that can happen, such as fire, theft, flood, or vandalism.
If vandals smash a store window, commercial property damage could cover the costs of replacing the window and cover any damage or vandalism inside your business.
Commercial property insurance typically includes flood insurance, but what if there’s heavy rain and the sewers back up and your business is flooded?
You should consider adding sewer backup or overland flood coverage extensions, which standard business insurance policies typically do not cover.
Your Manitoba fast food outlet likely has expensive electrical and mechanical equipment to keep your products either frozen or refrigerated.
Equipment breakdown insurance provides coverage for property damage from the sudden and accidental breakdown of insured equipment not automatically covered by a standard commercial property policy.
If a customer gets sick after eating at your fast food outlet, product liability insurance can help cover the cost of the customer’s medical expenses and your legal and court-related costs to defend yourself.
It should be part of your Manitoba fast food restaurant insurance package.
Crime insurance can protect you against theft, credit card fraud, forgery, counterfeit, and other types of fraud that employees sometimes commit.
If you process debit and credit card transactions, online or in person, you need cyber insurance. Your system could be vulnerable to cyberthieves and cyberattacks.
Without cyber insurance, you will have to pay out of your pocket for the cost of restoring your computer system if it’s hacked.
You may also be liable for damages to third parties whose information has been stolen and you may have to pay for notification expenses to inform customers affected by a breach.
If you have a business car, van, or truck that you use for your Manitoba fast food outlet, it won’t be covered by your personal car insurance policy. You will need commercial auto coverage as part of your insurance package.
As the business owner, liability falls back on you for any products sold through any platform. Read through the agreement you have with the third-party delivery provider to see if there could be any terms and agreements that remove your liability once your fast food restaurant’s food enters the delivery car.
Business interruption insurance helps support you when your Manitoba fast food restaurant can’t operate due to a covered loss. Bills like repairs, inventory, rent, and payroll keep rolling in even if your business is forced to close.
Some examples of losses that can force your fast food outlet to shut down:
Business interruption insurance can help with these expenses:
Fast food restaurant insurance is designed to protect against the risks that come with serving food and drinks, such as third-party bodily injuries and property damages, accidents, and equipment breakdowns. Make sure that your Manitoba fast food restaurant insurance gives you peace of mind by minimizing risk.
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