Common questions about Food and Beverage
Answering the most frequently asked questions about Food and Beverage.
Foodborne illness claims generally fall under your general liability and products coverage. Defense costs are often the larger expense, since these claims are difficult to prove either way and frequently settle.
Yes. Your business can be held liable for an accident during a delivery even though you don’t own the vehicle. Hired and non-owned auto coverage closes that gap, and it’s frequently missing from restaurant policies.
That’s what business interruption is for. It replaces lost income and keeps fixed costs covered during restoration. Pay attention to the restoration period and any waiting period, since those terms determine how much actually gets paid.
For licensed establishments in New York it’s effectively required, and your general liability policy excludes alcohol-related claims outright. Dram shop liability can attach when an intoxicated patron you served causes harm after leaving, which makes this the defining exposure in the industry.
Not by a standard property policy, which covers the equipment against fire or theft but not mechanical breakdown. Equipment breakdown coverage handles the repair, the spoiled stock and the income you lose while it’s down.
If you handle customer data, such as credit card information, cyber insurance is highly recommended to protect against data breaches and cyberattacks.
Yes, liquor liability insurance is crucial for businesses that serve alcohol to cover potential legal costs and damages caused by intoxicated patrons.
Business interruption insurance can cover lost income and operating expenses while your business recovers from a catastrophic event like a fire.
Yes, general liability insurance can protect against claims related to food poisoning, covering legal fees and settlements.
A food truck business typically requires a Business Owner’s Policy, commercial auto insurance, general liability insurance, and workers’ compensation if you have employees.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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