Always read your lease. Many new lease agreements make the tenant responsible for insuring thebuilding, heat and air conditioning units, and glass. Does your agent ask to see your lease before theyrecommend insurance coverages?

If your restaurant or bar is located in Massachusetts then the answer is yes. The Legislature passed abill in 2010 making liquor liability insurance mandatory if you have a pouring license. We can offer you astand-alone liquor liability policy or even better yet a package policy that includes liquor liability.

Hired auto liability coverage will pay for damages to a third party, on behalf of your restaurant, if youcause an accident or an injury to someone while you are driving a rented car or “non-owned” vehiclefor business. For example, if you rent a car to deliver food for a catered event and cause an accident onthe way there, the person you hit will look at your restaurant to pay the damages. Without this coverageyour business insurance policy would not provide defense.

The same scenario applies if you have employees run an errand (take a deposit to the bank) using his orher own car. When the employee causes the accident, the injured party is going to look to your businessto pay for damages since the employee was using their car on company time.