Wenatchee has been a Foodie destination for years. Wenatchee Insurance loves insuring restaurants new and old.
A restaurant typically needs the following types of insurance:
General Liability Insurance: Covers accidents and injuries on the premises
Property Insurance: Protects against damage or loss to the building and assets.
Liquor Liability Insurance: Necessary if the restaurant serves alcohol. The fast rule is the higher of percentage of alcohol over food then the more expensive the insurance.
Business Interruption Insurance: Covers income loss during temporary closures. (This was a big miss for some that dropped this coverage prior to COVID shutdowns to save money).
Commercial Auto Insurance: For restaurant-owned vehicles. If you are making deliveries or have a logo then have the conversation about commercial auto insurance with your agent.
Employment Practices Liability Insurance (EPLI): Protects against employment-related claims.
Specials:
Many of the needed coverages can be found bundled together in a Business Owners’ Policy or BOP.
If you are new to Washington State or are starting a business. Washington State has programs regarding Worker’s Compensation, Long Term Care, and Family Medical Leave. With the individual health insurance marketplace being strong many small employers use the Washington Healthplanfinder for insurance by adding an allowance to payroll and having a local Enrollment Center walk through the plans.
At Wenatchee Insurance Agency, we are an independent broker and customize coverage based on your restaurant’s needs and local regulations.
Topic: Wenatchee Insurance, Business Insurance, Restaurant Insurance, Liquor Liability, Healthplanfinder, Wenatchee, Foodie, General Liability, Chelan, Okanogan, Douglas
