Utah’s restaurant scene is thriving, from food trucks in Provo to fine dining in downtown Salt Lake City. Along with great food comes a unique set of risks, which is why restaurant owners need insurance coverage built specifically for the hospitality industry.
General Liability and Property Coverage
General liability insurance protects your restaurant against claims of customer injury, such as a slip and fall, or property damage caused by your business. Commercial property coverage protects your building, kitchen equipment, furniture, and inventory from fire, theft, and other covered events.
Liquor Liability Insurance
If your Utah restaurant serves alcohol, liquor liability coverage is essential. Utah has specific alcohol service regulations, and liquor liability insurance helps protect your business if an intoxicated guest causes injury or property damage after being served at your establishment.
Workers’ Compensation for Restaurant Staff
Restaurant work involves real physical risk, from kitchen burns and cuts to slips on wet floors. Utah law requires most restaurants with employees to carry workers’ compensation insurance to cover medical costs and lost wages for injured staff.
Equipment Breakdown Coverage
Walk-in coolers, ovens, and other essential kitchen equipment are expensive to repair or replace. Equipment breakdown coverage helps pay for these unexpected repairs so a broken freezer doesn’t turn into a financial crisis.
Business Interruption Insurance
If a fire, storm, or other covered event forces your restaurant to close temporarily, business interruption coverage can help replace lost income and cover ongoing expenses like rent and payroll while you get back on your feet.
Building a Complete Restaurant Insurance Package
Many Utah restaurant owners bundle these coverages into a customized package policy designed for the food service industry, which can simplify management and often reduce overall cost compared to purchasing each policy separately.
Protect Your Utah Restaurant with Bon Insurance Agency
From food trucks to full-service dining, our agents understand the risks facing Utah restaurants. Contact Bon Insurance Agency for a customized restaurant insurance quote.
