A timeless American past time is going out to eat, or sharing drinks with friends and family. Economists say that even in times of tight budgets and other financial obligations, many people make exceptions to patronize restaurants and bars. Whether the motivation is fun, bonding time with loved ones, business meetings, or simply unwinding and relaxing after a long day at work or school, this tradition seems to live on, no matter what.
While that’s great news for you as a restaurant or bar owner, it also comes with added risk. More people in your establishment means a greater opportunity for something to go wrong. While you take steps to ensure safety, the fact is that sometimes incidents will occur that are out of your control. That’s why it’s essential to have comprehensive business and commercial insurance.
Read on to discover some of the most common hazards that could occur at your bar or restaurant, and what you can do to protect yourself, your employees, customers, and the business as a whole.
Slip and Fall Accidents
The bar and restaurant business is fast-paced. When competition is high, being able to quickly deliver food and drinks to patrons is an asset. Still, there are times when that haste could create a recipe for disaster.
Spilled liquids and dropped foods are just one way that accidents can happen. Other times, employees and/or customers will lose their balance and take a hard fall. You might even witness a chain reaction-style incident at your workplace. For instance, if someone trips or stumbles and grabs for objects to steady themselves, they could create a situation where objects begin to fall. That might include pots and pans, art and décor, and other items.
The good news is that you don’t have to live in fear of something happening that might threaten the longevity of your business. Instead, when you secure reliable business and commercial insurance coverage, you can protect yourself from these and many other potential scenarios.
The threat of fire is ever-present at any establishment where heating elements are being used. In your bar or restaurant, this certainly includes your ovens, electrical equipment, and similar. If you allow smoking inside, the risk for a fire increases.
In addition, chemical compounds such as those present in soaps, cleaners, and similar could contribute to a blaze. They might also create burns or skin irritations for the people who come into contact with such material.
That’s saying nothing about machinery hazards that might occur around slicers, ovens, and other restaurant and bar equipment. Your employees could also suffer sprains and aches resulting from their working conditions. Other possible problems include eye injury, lacerations, and similar.
Even establishments that are run like a “tight ship” sometimes fall victim to rowdy customers and even employees. If a fight breaks out in your restaurant or bar, the outcome could be catastrophic. At the least, your reputation will take a hit.
In addition, while you hope that all team members and patrons will be on their best behavior, there are times when inappropriate activity may be taking place outside of your immediate view. If drug abuse, violence, and/or vandalism occurs in your restroom, for instance, you could still be held liable. That not only send a sours message to customers, but could also land you in hot water with the law.
These are just a few of the many incidents that might occur at your restaurant or bar. While it’s difficult and sometimes even impossible to plan for every potential incident, there are ways you can protect your business in the face of a variety of threats. By securing comprehensive business and commercial insurance from a trusted and reputable firm, you set the stage for a thriving and successful operation that could last for decades.
For more than 17 years, we’ve helped countless business owners like you with insurance packages that address many desires and requirements. In addition to business and commercial insurance, we also focus on risk management, flood insurance, homeowners’, automobile, construction insurance, and more. Contact us today to get started on a comprehensive insurance plan tailored to your specific needs.