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Diner Insurance

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The diner business has been a successful main street business throughout America. To this day a Diner remains one of the few eat in restaurants that patrons can have almost anything they are in the mood for regardless of the time of day.

When you own your own diner there are many situations that can arise out of the day to day diner operations that can result in a financial loss for your diner business.

With the proper diner insurance policy in force, you can relax and know that your diner business is protected.

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Here are a few possibilities that can occur in the business of owning a diner.

Failure of the walk in refrigerator or cold storage cases could result in the loss of thousands of dollars of food; this could cost several weeks or even months worth of profits to rectify. That type of loss could ruin a business that didn’t have the right diner insurance in place.

Anytime there is cooking involved, whether it be in an oven, on a grill or on a traditional stove top (all of which are regularly done in a diner), the risk of fire increases. A fire could not only result in the loss of inventory, there may be extensive property damage, injuries and possibly even the loss of lives. A serious fire could completely destroy a diner company that isn’t properly insured.

Food prep and service requires constant cleaning, all spills must be mopped up quickly to maintain a reasonably clean environment and that opens up the possibility of slip and fall injuries. If your diner business isn’t properly covered, you are putting yourself at risk for a tremendous loss from possible lawsuits.

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  • Diner Liability Insurance
  • Diner Workers Compensation Insurance
  • Diner Property Insurance
  • Diner Umbrella Insurance
  • Diner Theft Insurance
  • Diner Fire Insurance
  • Diner Commercial Auto Insurance
  • Diner Umbrella Liability Coverage
  • Diner Employee Dishonesty Insurance
  • Diner Spoilage Insurance
  • Diner Equipment Breakdown Insurance
  • and more

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A Diner insurance policy can be written to cover:

  • Diners that serve Liquor
  • 24 Hour Diners
  • Diner Delivery Services
  • All Diners

Many diner businesses offer local delivery to surrounding homes and businesses – if this is something you offer or are considering offering, you need to make sure that your diner insurance covers your delivery driver in the event of an accident or the possibility of injury.

Employees who work in this type of fast paced environment around hot ovens and sharp knives are always at risk of injury too. Cuts, burns and falls are very common occurrences for employees of any food service company so your diner insurance needs to have provisions for emergency medical care and possible workman’s compensation in the event that an employee gets hurt on the job.

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There are many insurance companies with policies to cover your diner business. Work with these companies and be prepared to suggest several incidents like those in this article. Once you are insured, you will begin each day knowing that you and your business are protected by your dinner insurance policy, and you will be able to fully engage in the work that is your passion.

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