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Restaurant Liability Insurance

Serving with Confidence – Restaurant Liability Insurance

You’re providing great food, great drinks, and excellent service. To be served up a lawsuit in return could be one of the worst things that can happen.

Most people head to a bar or restaurant to have a good time with friends or loved ones, enjoy their food and have a few drinks. Occasionally, an overzealous customer may take things too far. Accidents occur. And some problems cannot and should not be ignored. That’s why we provide restaurant liability insurance for true peace of mind.

The Leading Causes of Lawsuits Against Restaurant Owners

Insurance for restaurants is critical. Here are just some of the reasons that restaurant owners need to make sure they have proper coverage.

Slips and falls are the #1 cause of accidents in restaurants. If the drinks are flowing, spilled beverages can become commonplace, causing the floor to be slippery. Other slip and fall factors include food on the floor, a mopped floor without a signpost warning, unclear steps and raised floors in doorways.

Patron disputes are another top cause for lawsuits. Disagreements on just about anything, such as the ingredients in food, can be enough to send a person running to their lawyer.

Food prep is a common area where lawsuits can arise. No restaurateur wants to find out that they’ve given customers food poisoning or made them ill. Food poisoning can be very dangerous, so it’s not surprising that affected individuals tend to sue the place where they fell ill.

Sometimes individuals can take things too far and behave recklessly. Dancing on tables, climbing on the furniture, or behaving inappropriately can cause accidents.

Finally, unforeseen events out of your control, such as fires, flooding, and other events that cause damage on a large scale are a big reason why people file lawsuits against restaurants and bars.

These are all factors that should convince restaurant owners of their need for appropriate restaurant liability insurance.

What Can You Do to Prevent Lawsuits?

As the owner of a bar or restaurant, you have a duty of care to maintain the property and everything within it to a high standard. Doing so will minimize the risk of an accident occurring.

Here are some of the things you need to do:

  • Checking electrical wiring and plumbing regularly.
  • Keep floors, furniture, and doorways in good condition.
  • Mark steps, stairs, and other fall hazards clearly.
  • Fully training staff to clean and clear up spills efficiently.
  • Adhere to maximum capacity laws; do not overcrowd your establishment.
  • Have adequate staff and give them regular rest breaks.
  • Ensure staff is trained regarding safe food handling procedures.
  • Deep clean the kitchen every day and store food properly.
  • Acquire relevant licenses.
  • Get restaurant liability insurance.

XINSURANCE Can Provide Restaurant Liability Insurance Solutions

Lawsuits can be financially devastating and even put you out of business or bankrupt you. This is obviously the last thing you want so the safest thing to do is cover yourself in the event of a liability claim. Proper insurance for restaurant owners/managers is the answer.

XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. We have over 40 years of experience in providing coverage solutions for high-risk occupations and activities including insurance for restaurants and bar owners. We pride ourselves on helping businesses that have been turned down in the past or are finding it hard to get coverage.

Our all-in-one policy takes into account your business, experience, operations, and history and allows us to provide you with a customized solution that entirely suits your needs and business. This approach covers all gaps and gives you the peace of mind to continue running your business stress-free.

How to Get a Quote from XINSURANCE

If you would like to receive a quote from XINSURANCE or you would like more information, email us at  Alternatively, head over to our website. Our website goes into detail about our vast product line and will tell you more about XINSURANCE as a brand. It is also the most convenient way to receive a quote. Once you’re on the page, all you have to do is fill out the brief form and click submit to get started.

We also love to talk to our customers. You can call us on 877-585-2853 to ask us any questions you may have and to discuss how our products can provide you with customized coverage.

We’re also available on Facebook, Twitter, YouTube, LinkedIn, and Instagram and keep our followers updated on everything that XINSURANCE gets up to. You are welcome to message us via your preferred platform for more information.

Finally, one of our favorite things to do is getting in front of potential and existing customers. That’s why we have an events calendar packed full of trade shows, expos and other events where you will be able to find us.

Running an eating or drinking establishment is extremely hard work. It involves long days and nights on your feet, running around, managing staff, and keeping the patrons happy. Seeing your place busy and lively and having your customers leave satisfied with smiles on their faces, makes all the hard work worthwhile.

Just knowing that XINSURANCE can have your back when a problematic situation arises will give you that extra boost of confidence and true peace of mind knowing that you have the coverage in place to deal with it.

Don’t leave the success and safety of your business to chance. Remember that no matter how safe your establishment is, there may be that one customer who will try to sue you for serving coffee that’s too hot! Make sure that you have adequate coverage so that everyone in your establishment can have a good time, stress-free, including you.

Rick LindseyAuthored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE

Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.