Insurance for Connecticut Bar and Grill Owners
  • Post last modified:October 5, 2020
  • Post category:Insurance

Here at Paradiso Insurance, we pride ourselves on being trusted advisors for our clients. Today we’d like to take a moment to speak to bar and grill owners about protecting their business because we know how important your business investments are to you. It is, of course, necessary to have insurance in place that will keep you covered, but here are a few more tips for protecting your business that may help prevent mishaps in the future.

Risk Management, Preventing Accidents Before they Happen

As a bar or grill owner, you understand the inherent risks that come with the territory, so let’s talk about a few ways that you can minimize these risks. First and foremost, it’s best to try to reduce the chance of kitchen fires, because you could lose everything to one incident. To keep the danger down, be sure to keep your appliances cleaned, serviced if needed, and unplug any major electric equipment when you’re not using it. 

Also, use caution when lighting your grill or stove, keep long sleeves rolled up, and install a sprinkler system in case of an emergency with a smoke detector near the kitchen but not in the direct path of cooking areas. Other than that, be sure to have regular ongoing safety training for your employees to help reduce the chance of cuts, spills, burns, or anything else that can happen in the kitchen. Be sure to always clean a spill as soon as it happens too, so that the problem doesn’t escalate.

someone cooking on the grill

Cleaning and Maintenance, First Line of Defense 

Cleanliness should be a priority for any business in the food industry. Bars especially, because where there’s alcohol, there’s usually a bit of a mess to be cleaned up after. Keeping your bar and kitchen areas clean is important to the overall success of your business.

Your Team, Gatekeepers of Your Business 

As in any industry, you should give careful consideration to hiring the right employees. Try to find people who have experience working in the food industry, especially those who are of age and have a bartending license if they are looking to work the bar. Look for employees who are good at working with people, because customer service goes a very long way.

Staying Protected, But Be Prepared 

At the end of the day, you could make all of the right decisions, and put all of the necessary precautions in place, but you could still be vulnerable. In the case that anything were to, unfortunately, go wrong, we highly recommend having an insurance policy in place that will keep you covered. Here at Paradiso Insurance, we take pride in the fact that we have a specialized insurance policy designed around protecting your bar or grill. 

What’s the Best Bar and Grill Insurance I Can Get?

If you’re in the food and beverage business, we recommend starting with a business owner’s policy. A BOP combines three general insurance coverages that are important to almost every business:

  • General Liability
  • Commercial Property
  • Business Income

Most restaurant owners with employees are also required to have workers’ compensation.

someone signing paperwork

Insurance protects the restaurant business you’ve worked hard to build – and helps keep it moving forward. No matter how hard you try to make sure everything is perfect, problems happen. And we’re here when they do.

If you’d like to learn more or hear about your options, feel free to reach out to one of our professional Insurance Agents today, by calling 860-684-5270. We wish you all of the best for the future success of your bar or grill.