The document discusses various types of insurance relevant to restaurants, including liability, workers' compensation, and employee practices liability. It highlights important coverage aspects such as employee dishonesty, business income loss, and specific policy exclusions like flood and earthquake damage. Additionally, it addresses claims management and legal protections for issues like sexual harassment and discrimination among employees and patrons.

1. Restaurant Insurance Liability, Property, Workers’ Compensation, and Employee Practices

2. Liability Insurance For restaurant guests Protects from theft Fire to rented property Poisoned guests Slip and falls Burns and cuts Hot spills

3. Important coverages Employee dishonesty This provides coverage for an employee stealing from the restaurant This is not covered if it is not added to the policy Business Income Coverage for lost income due to a covered loss Hired and non-owned auto Employee picks up some avocados and gets in an accident Employer could be sued for damages

4. Sewer and drain back-up If a sink or toilet overflows, it is not covered on a basic policy Picture above shows a “flooded” restaurant

5. Property Tenant improvements Anything the employer has done to improve the restaurant Check the lease because one may be liable for improvements already installed Improvements are rated at a cheaper rate because there isn’t a theft exposure Improvements can include almost anything bolted to the ground or wall Make sure property is rated up to its full replacement cost Flood and Earthquake are not included and this includes a storm surge or outside waters Square footage vs Sales

6. Workers’ Compensation Compensate workers if hurt while working Mandated by California law Average rate right now for a restaurant (9079) is about $4 per $100 in payroll Managing a claim Obtain medical care immediately Report claims as soon as possible Help employee get back to work Monitor the situation

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9. oops…that’s gonna leave a mark… Don’t worry, no one was injured during this PowerPoint presentation

10. Employee Practices Liability Sexual harassment Employer to employee Employee to patrons Patron to employee Patron to patron Discrimination Wrongful Termination Wage and overtime suits

11. Thank You! Questions? Call or email me! This presentation was for education purposes only and not meant to be a recommendation of coverage or promotion of 5 th Avenue Insurance.