Let's Talk About Protecting Your Restaurant

We've listed some common concerns most restaurants have, along with some ways we can partner to protect your business. When you're ready to speak to an agent, find one near you using our Professional Locator.

(Please note all coverage may not be available in all states.)

Glossary

Your worries	The solutions
What you think about	How you can help yourself	How Nationwide can help
Fryers, open flames and burning candles make fire a big concern	Restaurant Safety Bulletin Online Safety Courses	Property Coverage Business Income Coverage General Liability Coverage
What if my restaurant inadvertently sells contaminated food, and a customer gets sick?	Proper Food Handling and Storage Restaurant Safety Bulletin Personal Hygiene for Restaurant Employees	Food Contamination Coverage
What if my restaurant is broken into or an employee steals from me?	Crime Prevention Tips Safety Bulletin	Money and Securities Coverage Employee Dishonesty, Robbery and Safe Burglary Coverage Forgery and Alteration Coverage
What if my equipment malfunctions – like my refrigerator, oven, credit card machine or computer?	Regular maintenance of your equipment	Equipment Breakdown Coverage
What if the power goes out, affecting my phones, water supply or power, and I lose income as a result?	Have access to a back-up generator Small business guide to disaster planning	Utility Services Coverage Business Income Coverage
What if a customer or employee slips and falls in the restaurant?	Avoiding Slips, Trips and Falls Safety Bulletin	General Liability Coverage Medical Payments Coverage Workers Compensation
What if a customer hurts themselves or others from drinking too much alcohol or gets burned by the food?	Cut and Burn Prevention Safety Bulletin Hot Beverage Safety Bulletin	Liquor Liability Insurance General Liability Coverage Medical Payments Coverage
What if I use my car for my business to run errands or pick up supplies?	Fleet Safety Tips	Business Auto Coverage
What if the valet wrecks or damages a customer’s car?	Driver Distraction Safety Bulletin Fleet Accident Procedures Safety Bulletin	Valet Parking Coverage
What if an employee gets hurt?	Online Safety Training courses	Workers Compensation Coverage Stop Gap Coverage
What if I sell my food at a festival or off-site event?	Lock your property when it's unattended Sign a written contract that clearly states which party is responsible for injuries in and around your booth. Have an attorney review the contract.	Your agent has a source for special events coverage
If a customer has a special request – like no peanuts in their food – and my cook forgot to honor it, what happens?	Designated Employees should be trained in first aid & CPR techniques Employees should be instructed on menu ingredients	General Liability Coverage
What is an employee sues me for discrimination, wrongful termination or harassment, even if I’m not guilty.	Make sure all policies and procedures regarding discrimination and harassment are outlined in your employee handbook.All employees should receive a copy this handbook.	Employment Related Practices Coverage