Owners who create the best of fine dining experiences for their customers need specific insurance coverage that the average restauranteur doesn’t have to consider. In a high-end restaurant, the inventory of specialty meats and seafood must be adequately refrigerated, but hurricanes, tornadoes, and other severe weather can cause extended power outages. Blackouts inflict losses that the use of generators can’t offset, making fine dining insurance a must if owners hope to recover in the wake of natural disasters.

Additional coverage for liquor liability is also necessary for upscale establishments. Should a customer consume too much alcohol and incite a disturbance on the premises, owners will want quality insurance to cover the damages. If that same customer runs a red light on the way home and severely injures others, the injured parties may hold the restaurant liable. Cost-effective liquor liability coverage will give the owners of fine dining establishments peace of mind as they serve their customers.

Another addition to consider is food contamination coverage. When high-end restaurants serve world class meals, food imports are routine. If at any point during transportation, however, the storage climate fluctuates too much, bacteria that’s naturally present in raw foods may begin to flourish, triggering an outbreak. To protect against food contamination and other unexpected incidents, the owners of upscale restaurants should tailor fine dining insurance coverage to meet their specific needs.