Are you starting a restaurant business or do you have an existing restaurant that you are unsure on coverages? Either way, here are some simple coverages you will need to get your operations protected.Here at we look to several carriers for these insurance needs. Travelers, Colorado Casualty, Hartford, Allied etc. These coverages are typically packaged in your policies but different carriers cover things with different amounts.1. Building Coverage-Do you own the building or lease?2. Tenant Improvements. If you make changes to the space, they are not covered by the landlord3. Loss of use or Business Income coverage. If your business goes down, you need reimbursement 4. Food Contamination Expense5. Loss of Refrigeration6. Employee Dishonesty coverage or Money and Securities7. Restaurant Equipment coverage. Stoves, Ovens, Fryers etc8. Liability coverage. $2 million in coverage is standard9. EPLI Insurance for employees10. Workers CompensationWith all restaurant insurance coverage, most carriers will require a UL100 or greater system in the kitchen. This can provide discounts if updated regularly.Dont let your restaurant go without insurance. It can be costly and of course fatal. Rick ClineAll Access Insurance303-932-1700