Friday, May 20, 2016

Is Your Restaurant Properly Insured?

Due to the nature of the restaurant business, many things can go wrong. Fires, slip and falls, equipment breakdown, food spoilage and employee theft are just a few of the things restaurant owners have to worry about. Our Lake of the Ozarks insurance company is endorsed by the Missouri Restaurant Association as part of the MRA Insurance Alliance to help provide you with the right coverage for all your food and beverage business needs.

Restaurant Insurance Coverage

Insure the Lake is working hard to deliver all of your Lake of the Ozarks restaurant insurance needs!  Be sure to review your coverage often.  Below are some of the main coverage types to consider when insuring your business.

General Liability
Defends you from covered lawsuits such as bodily injury and property injury you cause.

Liquor Liability
Let us "draft" a quote for you on this very important coverage which protects your business in the event of a Liquor related claim.  Certain states have laws that favor the business owner for these types of lawsuits; however keep in mind that if you are sued you still must defend yourself which can easily cost tens of thousands of dollars.

Property Coverage 
Physical damage coverage for your buildings, tenants, improvements and business personal property.

Workers Compensation
When employees have accidents, such as clip & falls, cuts, burns and other injuries, workers comp pays for medical bills and time off, while protecting you at the same time.

Not just for your Mai Tai, this insurance covers you when your underlying liability limits run out.

Other Coverage Considerations
Don't forget these important coverage options available:  Business Income, employee Dishonesty, Food Contamination, Spoilage, Assault and Battery, Employment Practices Liability, Cyber Liability, Earthquake, Flood, Employee Benefits, Key Person Life Insurance.

We Cater to All Food & Beverage Groups! 

  • Restaurants
  • Bars 
  • Nightclubs
  • Private Clubs
  • Fine Dining
  • Fast Food 
  • Delivery
  • Taverns
  • Convenience Stores
  • Package Liquor Stores
  • Banquet Facilities
  • Fraternal Organizations

Your restaurant is more than just a business, its your life. It's an investment for your family's future. When you choose Insure the Lake, you can count on the security your business needs. If you want to protect your restaurant from unforeseen risk and save money on your restaurant insurance, contact us!

Protect the Future of Your Restaurant 

Not all restaurants are the same. Each has their own unique set of risks. Get a risk assessment with a Lake of the Ozarks insurance agent. Together we'll create a risk management and safety program. From there, you'll be able to get the most comprehensive coverage for your specific needs, at the best price!

At Insure the Lake, we know the restaurant insurance marketplace and work with multiple companies with appetites for restaurants, to give you the most comprehensive coverage available. Request a free quote online or give us a call at 800-392-0423. To learn more about our restaurant insurance products, please visit:

Request a Free Quote Online! Contact Insure the Lake today for all your Lake of the Ozarks insurance needs! 

About the Author: Steve is a double back-flip insurance ninja. He was named Young Insurance Agent of the Year by the Missouri Association of Insurance Agents in 2010 and is a Certified Insurance Counselor. When he is not helping customers, he enjoys community service, Latin dancing with his beautiful wife and going on adventures with his two awesome sons.

Steve Naught, CIC
3736 Osage Beach Parkway
Osage Beach, MO 65065
Next to Golden Coral