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Top 5 Common Insurance Claims and Their Prevention

Sep 13, 2023

Business insurance

Top 5 Common Insurance Claims and Their Prevention

Restaurant owners should be aware of common restaurant insurance claims so that they can plan to lower those risks. It's better to reduce risks in the present than to worry about them later. Keeping your claims to a minimum will help lower your premiums. Here are ways to steer clear of common restaurant mishaps.

Kitchen Fire

Kitchens operate at high temperatures, which can lead to fire. It's imperative to maintain clean kitchen equipment as a fire prevention policy. Your kitchen staff should be well-trained in how to use ovens and high temperatures safely. Ensure your restaurant has smoke alarms, sprinkler systems, and fire extinguishers.

Driving and Delivery Issues

Another one of the most common restaurant insurance claims involves delivery drivers. Your liability increases when you hire drivers, especially if it involves alcohol. That's why a thorough background check on the drivers you hire is essential. Be aware that your establishment can be held liable if one of your patrons gets drunk and causes a car accident.

General Injuries

Other injuries that your restaurant may be held accountable for involve accidents that can happen anywhere, such as someone falling. The ground can be slippery from rain or snow, often leading to increased claims in the winter. You can reduce these risks by maintaining clean and clear walkways. Always make sure the stairs and steps to your entrance are safe.

Unique Patron Injuries

A variety of other misfortunes can occur to patrons at a restaurant, such as choking on food or suddenly getting ill. You should make sure that at least one staff member at any given time has had CPR training.

Food Poisoning

Restaurants cannot afford to ignore concerns about food poisoning, which may occur for various reasons. Ensure your staff knows appropriate cooking temperatures and washes their hands before handling food.

Final Thoughts

Restaurant owners should proactively address common insurance claims to minimize risks and enhance safety. Preventing kitchen fires, ensuring driver and patron safety, and maintaining food handling standards are essential. Insurance premiums can be lowered by prioritizing risk reduction, and the overall dining experience can be improved. Expert guidance from professionals like Fuller Insurance can help tailor coverage to unique restaurant needs.

Discover More Essential Restaurant Liability Insights with Fuller Insurance

There are several other liability issues all restaurant owners should know about. For more answers to your questions about common restaurant insurance claims, contact us at Fuller Insurance. Our experts are ready to help you secure the right coverage for your establishment. 

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