Restaurant Insurance in Salt Lake City, UT
Restaurants face a variety of financial risks, including property damage, liability claims, equipment breakdowns, food spoilage and employee injuries. Without the right insurance policy, a single incident can disrupt your operations or even threaten your business’s future. Restaurant insurance is designed to help safeguard your investment and cover unexpected costs so you can focus on serving your customers. 
Key Coverage Options for Utah Restaurants
Every restaurant is different, but most benefit from a combination of the following insurance coverages:
- General liability insurance helps cover third-party claims of bodily injury or property damage that may occur on your premises, such as customer slips and falls.
- Property insurance can cover damage to your building, kitchen equipment, furniture and inventory caused by fire, theft, vandalism or certain weather events.
- Workers’ compensation is required in Utah for most businesses with employees. This coverage helps pay for medical expenses and lost wages if an employee is injured on the job.
- Business interruption insurance helps cover lost income and operating expenses if your restaurant must temporarily close due to a covered event.
- Food spoilage coverage can help cover the cost of perishable stock that spoils due to a covered loss, such as refrigeration breakdown, power outage, or contamination, up to policy limits.
- Commercial auto insurance may be necessary if your restaurant uses vehicles, such as for catering services or deliveries.
How Our Team Supports Utah Restaurants
Axcess Insurance works closely with restaurant owners and managers to assess their unique financial risks and recommend coverage that fits their operations. Our local expertise means we understand the specific challenges faced by food service businesses in Utah. Contact our team today to discuss your coverage options and get a personalized quote.