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The hustle and bustle of a restaurant may provide the perfect atmosphere for your guests to dine in, but it can also pose a risk to your restaurant’s bottom line. Workplace accidents in restaurants are common due to the nature of the industry — wet floors, kitchen tools, and trays of piping hot dishes all are threats to your employees’ safety and can ultimately cost restaurant owners money.
That’s why workers’ compensation insurance for restaurants is a must-have for owners looking to protect their business.
Workers’ Comp Insurance for Restaurants
Should a member of your staff suffer an on-the-job injury, your establishment may be responsible for covering medical care, reimbursement for lost wages, and even legal expenses if the employee files suit in relation to the incident.
Workers’ compensation is crucial for the restaurant industry because it helps restaurant owners cover these expenses without negatively impacting the business itself. Workers’ comp for restaurants can be the difference between a workplace accident and a workplace disaster.
Restaurant Employee Injuries
Business insurance such as workers’ compensation for restaurants is often required by law, depending on the state. But regardless of state laws, workers’ comp insurance is always invaluable in the event of an employee injury.
For restaurant owners, nothing beats the sense of security provided when they have financial protection for potential injuries of their waitstaff, bartenders, chefs, and other employees. With workers’ comp for their restaurant, they can focus on attending to their staff and running their business while insurance handles the rest.
Whether a head chef suffered a severe burn or a server slipped and fell, workers’ compensation insurance helps to cover:
- Emergency medical care (ambulance, ER bills, etc.)
- Continuing medical care (physical therapy, medication, specialist visits, etc.)
- Potential lost wages
Bars, in addition to restaurants, can benefit from similar coverage. Find out more information on workers’ compensation insurance for bars here.
Unfortunately, all workplace injuries have the potential to cost restaurant owners much more than just medical expenses. Should an employee who suffers an on-the-job injury decide to file suit against your restaurant, you could be held responsible for countless legal fees, potential settlements, and other litigation-related costs.
No matter the size of your establishment, it is in the best interest of your restaurant to find commercial insurance that includes coverage for liability costs in addition to medical expenses.
Many workers’ compensation policies that include liability coverage offer financial protection from:
- Legal fees
- Court costs
- Attorney fees
If your restaurant is located in a state that requires restaurants to purchase their workers’ comp insurance through monopolistic state funds (North Dakota, Ohio, Washington, and Wyoming), you may need to find additional private coverage to fill in the gaps in your liability coverage.
Even small restaurants can benefit from workers’ comp insurance with liability coverage. Find out more information on small business coverage here.
Risk Management for Restaurants
Although workers’ compensation for restaurants can help protect your business from financial stressors, it is always best to take as much precaution as possible in preventing injuries before they occur.
Because premiums are often affected by an establishment’s risk level for workplace injuries, implementing safety regulations, employee education, and safety trainings can help restaurant owners lower their business insurance costs.
Cost of Workers’ Comp Insurance
When it comes to choosing workers’ compensation for restaurants, price is one of the most important factors to consider. While the premium, or cost, of commercial insurance for your restaurant will vary depending on a variety of factors unique to your business, the value of finding the right workers’ comp insurance provider is priceless.
At Cerity, we pride ourselves not only on being a more affordable workers’ compensation insurance provider, but also on providing quick quotes so our clients can get back to doing what they do best. We utilize proprietary tools in combination with modern technology to provide restaurant owners with policies that can begin immediately.
Visit our free workers’ comp quote tool to get a free online quote and experience Cerity’s faster, more affordable approach to workers’ compensation insurance.
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