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Running a successful restaurant in Hilo, HI requires more than just great food and service—it also involves protecting your business from unforeseen risks. At Hawaii Island Insurance, we offer specialized restaurant and liquor liability insurance to cover potential accidents and alcohol-related incidents. Whether you're managing a family restaurant or a trendy bar, having the right coverage is essential. Want to learn more? Call us today at 808-961-3207.
Restaurant and liquor liability insurance protect your establishment from risks that arise during day-to-day operations. Whether it's a customer slipping on a wet floor or an incident involving alcohol, these policies ensure you can handle the unexpected without compromising your financial stability. It includes two key types of coverage: general liability for everyday risks and liquor liability for alcohol-related claims.
Accidents and mishaps are part of the restaurant business. Here are some typical claims covered by this insurance:
Slip and Fall Injuries
Coverage for medical expenses and legal fees if a customer slips and falls on your premises.
Liquor-Related Incidents
Protect your business in case an intoxicated customer causes harm to themselves or others after visiting your restaurant or bar.
Property Damage
Cover damage caused by fires, vandalism, or other unforeseen events affecting your property.
These are just a few of the claims you might face in the restaurant business. For more information on coverage options, contact us at 808-961-3207.
Imagine a busy evening at your restaurant in Hilo, HI, and a customer who has had too much to drink gets into an accident on their way home. Without liquor liability insurance, your business could be held accountable for the damages. With the right policy from Hawaii Island Insurance, you'd be covered, and your legal expenses managed. It’s all about preparing for the unexpected.
Liquor liability insurance is specifically designed for establishments serving alcohol. It covers claims resulting from alcohol-related incidents, including accidents, injuries, or property damage caused by intoxicated customers. If your restaurant or bar in Hilo, HI serves alcohol, this coverage is essential for managing risks and avoiding costly lawsuits.
At Hawaii Island Insurance, we understand the challenges faced by restaurants in Hilo, HI. We specialize in tailoring insurance policies that fit the unique needs of your business. Whether you need general liability, liquor liability, or a combination of coverages, we’re here to help. Give us a call at 808-961-3207 to get started on your customized plan today.
Here’s a breakdown of common claims and their average costs to give you an idea of what you might face:
| Claim Type | Average Cost |
|---|---|
| Slip and Fall Injury | $22,000 |
| Liquor-Related Injury | $55,000 |
| Property Damage | $18,000 |
These figures highlight the importance of having the right insurance to protect your business from potential financial losses.
Getting the protection your restaurant or bar needs is simple with Hawaii Island Insurance. Call us at 808-961-3207 or fill out our online quote request form to get started. We’ll help you find the right insurance coverage for your business.