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Bars and Restaurants: How to Keep Costly Litigation Off Your Plate

The claims against restaurants and bars can be many — and costly. Who could forget the infamous lawsuit against McDonald’s, where a customer suffered third-degree burns on six percent of her body after spilling a hot cup of coffee? She was awarded $600,000! What about the countless lawsuits that never make the news? How about bouncer-induced injuries that leave patrons with broken bones and teeth? Or an underage patron who was mistakenly served alcohol and attacks patrons with a hatchet concealed beneath his undercoat? Or a customer who chokes on a soup bone? Insurance for bars and restaurants will considerably help you if a claim does occur.


More than 3,000 people die each year from choking while dining at restaurants.** Injury Facts 2017 reports that choking is the fourth leading cause of unintentional injury death. Every year in the U.S., there are 75 million cases of food poisoning, 5,000 of which are fatal.*


Fact is, the most common types of accidents at restaurants are food poisoning, choking, slips and falls, broken teeth and scalding. They can happen at any time, without any warning. And if the restaurant doesn’t do everything reasonably possible to protect its patrons, it’s in for it. The court will favor the customer due to the restaurant’s negligence.


How does a restaurant or bar protect itself and its assets? Commercial liability insurance from Prime Insurance Company, Inc. can help protect your business from the unsavory “hazards” built into your business. Since 1992, Prime Insurance has been a preferred provider of specialty liability insurance coverage — offering flexible underwriting, risk management expertise, and outstanding claims results for difficult risks, with consideration for good risk management practices.


Bar and restaurant owners need to focus on good customer service, not worrying about costly litigation.


To learn how Prime Insurance Company can help protect your business, call 801-304-3705 or email quotes@primeis.com.


*The National Restaurant Council




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