{"id":51,"date":"2018-07-31T02:00:00","date_gmt":"2018-07-31T14:00:00","guid":{"rendered":"https:\/\/www.hamiltonfoxins.com\/blog\/?p=51"},"modified":"2018-08-02T10:19:43","modified_gmt":"2018-08-02T16:19:43","slug":"why-do-you-need-restaurant-and-bar-insurance","status":"publish","type":"post","link":"https:\/\/www.hamfox.com\/blog\/why-do-you-need-restaurant-and-bar-insurance\/","title":{"rendered":"Why Do You Need Restaurant And Bar Insurance?"},"content":{"rendered":"<p>The agents of Hamilton Fox &amp; Company Inc. in Pinecrest,&nbsp;FL will walk you through the ins and outs of operating a Florida bar and restaurant. Anyone who has worked in&nbsp;a bar or restaurant enjoys the spirit of consuming good food and drink.&nbsp;But behind the scene is a jungle of liability from your first drink to your last trip to the salad bar. The liability is a result of alcohol abuse which could lead to assaults and car accidents, food poisoning, slip and fall accidents, employee injuries, and the dangers of fire&nbsp;to spilled oil in the kitchen.<\/p>\n<p>Before a Florida bar and restaurant can open for business, its owners must contact the:&nbsp;<\/p>\n<ul>\n<li>Division of Alcoholic Beverages and Tobacco<\/li>\n<li>Department of Business and Professional Regulation<\/li>\n<li>Florida <a href=\"http:\/\/www.floridahealth.gov\/environmental-health\/food-safety-and-sanitation\/index.html\">Department of Health<\/a> (Health, Safety, and Sanitation)<\/li>\n<li>Florida Workers Compensation Regulations&nbsp;<\/li>\n<\/ul>\n<p>These Florida Departments regulate the people who operate the bar and restaurant, the alcohol served, the regulation of all matters concerning food safety, sanitation, and issues related to worker injuries.<\/p>\n<p>Further, there are multiple issues related to insurance that a business owner must consider, including:<\/p>\n<ul>\n<li>Business Owner&#8217;s Policy<\/li>\n<li>Commercial Auto Liability Coverage<\/li>\n<li>Workers Compensation Insurance<\/li>\n<li>Commercial Property Insurance<\/li>\n<li>General Liability Coverage<\/li>\n<li>Liquor Liability Coverage<\/li>\n<li>Assault and Battery Coverage&nbsp;<\/li>\n<li>Fire Insurance&nbsp;<\/li>\n<li>Income Coverage<\/li>\n<li>Food Contamination Insurance&nbsp;<\/li>\n<\/ul>\n<p>After you protect yourself from the multiple perils, business practices must be established such as:<\/p>\n<ul>\n<li>An employer\/employee manual&nbsp;<\/li>\n<li>Training to ensure the health, safety, and sanitation<\/li>\n<li>Practices to control food safety, quality and preparation&nbsp;<\/li>\n<li>Liquor control policies<\/li>\n<li>Fire and safety inspections<\/li>\n<li>Recordkeeping&nbsp;<\/li>\n<\/ul>\n<p>The business owner must decide what activities are safe because every policy has its list of exclusions. The agents of Hamilton Fox &amp; Company Inc. in Pinecrest, FL&nbsp;are experts in advising you about Bar&nbsp;and Restaurant Insurance. Please call for a quote and more information.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The agents of Hamilton Fox &amp; Company Inc. in Pinecrest,&nbsp;FL will walk you through the ins and outs of operating a Florida bar and restaurant. Anyone who has worked in&nbsp;a bar or restaurant enjoys the spirit of consuming good food and drink.&nbsp;But behind the scene is a jungle of liability from your first drink to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[5,9],"class_list":["post-51","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-hamilton-fox-company-inc","tag-pinecrest-fl"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/posts\/51","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/comments?post=51"}],"version-history":[{"count":1,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/posts\/51\/revisions"}],"predecessor-version":[{"id":52,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/posts\/51\/revisions\/52"}],"wp:attachment":[{"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/media?parent=51"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/categories?post=51"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hamfox.com\/blog\/wp-json\/wp\/v2\/tags?post=51"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}