'Jangan baring bila hidung anda berdarah' - Doktor kata cara itu amat berbahaya.. JOM TENGOK!!

As in any business, when all goes well, nothing could be finer. It is when something does not go as planned that we wish we would have been better prepared. Of course, in the restaurant business, it is the same - especially due to the unique liability risks. A true insurance claim scenario that could happen to any restaurant owner (no matter how careful): The entire dinner party was a winning meal experience - from the delectable five-course feast to the beautiful ambiance and black-tie waiter service. After the event, the smiling man who threw the party presented the restaurant owner with his credit card to pay. "Thank you so much for an affair that was out of this world! This will be the talk of the town for weeks to come!" The restaurant owner couldn't have been happier. With the flattery and promise of 'talk of town', he was sure that his business would develop a reputation as the go-to eatery for the posh crowd. Little did he know that the 'talk of town' would actually prove disastrous for his establishment's name! The following morning, the restaurant was bombarded with complaining phone calls in regard to severe stomach pains, sickness and related emergency room visits. Soon, the worst played out as the restaurant owner had to deal with the headache and expense of law suits related to food poisoning. There is no doubt that restaurant insurance is an industry must. Why restaurant insurance is required: • After eating tainted meat from the restaurant menu, a patron gets food poisoning • A customer trips and falls because the parking area in front of the restaurant has not been properly shoveled. • A passerby slips on a crack in the sidewalk next to the restaurant and is injured • As a result of fire, a restaurant incurs damages and losses • Vandals deface the front of a restaurant, resulting in temporary loss of business during restoration and professional clean-up • A fired employee sues a restaurant owner, citing discrimination The above are just some of the instances that demand protection for the restaurant owner. In business - especially the restaurant business - anything can happen and it does. Get the comprehensive coverage that includes what your establishment needs. Basic restaurant insurance requirements: • General Liability Insurance • Workers Compensation Insurance • Property Insurance • Commercial Auto Insurance For precise coverage, it is best to discuss your individual restaurant situation with a competent independent insurance agency that has the resources to find you tailored protection at the competitively lowest quotes. Contact a brokerage that understands so that you can run your establishment without the worry of 'what if'.