In addition to the beauty of the Great Smoky Mountains, the state of Tennessee is also known for its love of country music, its claim to the great Elvis Presley and its love of all things entertainment. Tourism brings many visitors to the Volunteer State, and often times, they come hungry. Owning and operating a restaurant is a great way to capitalize on the influx of people. However, consider the need for fine dining insurance in Tennessee before jumping into a new business venture.
The benefits of serving a great meal also come with the challenges of liabilities with operations, property, employees and food service. Having the right policy in place can help protect you from things such as property damage resulting from severe weather or fire, lawsuits over food poisoning, falls or accidents and loss of income when suppliers or utility providers interrupt your services. Comprehensive coverage should address the following:
- General Liability
- Liquor Liability
- Food Contamination Business Interruption
- Employee Dishonesty
- Employee Benefits Liability
- Delivery and Catering Errors & Omissions
- Commercial Auto
- Umbrella Liability
Not every provider will be able to offer each area of coverage, but agencies offering fine dining insurance in Tennessee will be familiar with these risks and the requirements for obtaining an effective policy. The right broker will look out for the client’s operation, customers, employees and assets.