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Chestertown, MD 98765

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Food Service Insurance

Running a food service business is hard enough without having to worry about suffering a large financial loss due to unexpected, unfortunate events. Food service insurance can protect your business from some of the more common damages experienced by business owners. Though your business might not need every type of coverage, it's good to know some of the types of insurance coverages that are available whether your business is a restaurant, food truck, or catering service. Carrying the correct coverage can mean the difference between losing your business after a loss or recuperating with minimal interruption and financial loss to your company's operations.

What are the Types of Food Service Insurance?

Business Auto Insurance

These policies generally have greater liability limits than personal vehicle insurance policies. Provisions that cover employee-owned vehicles and/or rented vehicles which are driven for business use can also be written into commercial auto insurance policies.

Business Property Insurance

Property insurance protects your business from losses incurred from damage to your business property. This can include the physical building and property owned by the business.

General Liability Insurance

Liability Insurance protects your business from economic losses and expenses linked to claims of bodily injury, property damage, or injury to your reputation from slander and libel. This insurance will also protect your business against false or misleading advertising.

Business Income/Extra Expense insurance

Income insurance and extra expense coverage helps to pay bills and cover payroll, working with your property insurance to cover events cause physical damage or loss beyond your control.

Equipment Breakdown

Equipment breakdown insurance covers all type of business equipment in the event of breakdowns. Breakdown can be the result of mechanical issues, problems in the electrical system, damage by power surge and more.

What Kind of Food Service Insurance Should I buy?

With so many different types of food service insurance policies available, it's important to speak with a knowledgeable agent. The kinds of insurance that you should purchase for your business depend upon the individual risk aspects of your specific business, and the types of losses you want to protect against. Let licensed independent insurance agents at Hogans Agency provide you with information on different policy and coverage options. You can also get a free rate quote online. Or if you prefer personal contact, call one of our Commercial Insurance Agent experts today.

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