{"id":53,"date":"2017-12-27T19:00:00","date_gmt":"2017-12-28T01:00:00","guid":{"rendered":"http:\/\/www.insuringky.com\/blog\/?p=53"},"modified":"2019-05-16T09:12:58","modified_gmt":"2019-05-16T15:12:58","slug":"insuring-kentucky-restaurants","status":"publish","type":"post","link":"https:\/\/www.insuringky.com\/blog\/insuring-kentucky-restaurants\/","title":{"rendered":"Insuring Kentucky Restaurants"},"content":{"rendered":"

\u00a0 \u00a0 \u00a0\u00a0<\/strong><\/h2>\n
\"Restaurants
Great Home Cooking, Bad Home Cooking, Little Middle Ground The same can be true with commercial insurance agents.<\/figcaption><\/figure>\n

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Factors Influencing Premiums<\/strong><\/h6>\n

Obtaining insurance for a restaurant is fairly simple.\u00a0 However, finding the correct coverages at a reasonable price may be a bit more difficult.\u00a0 Different cuisines, Franchises versus Mom and Pop, and the processes utilized for cooking are just a few of the factors that may influence a restaurants premium.\u00a0 Other factors can have a more dramatic impact on premiums.\u00a0 Alcohol sales, entertainment (such as live music or karaoke) and dance floors may make it harder to find coverage, which by default will push the cost of coverage higher.<\/p>\n

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Restaurant Safety\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<\/strong><\/h6>\n
\"Don't
Don’t forget liquor liability coverage<\/figcaption><\/figure>\n

Cooking areas are required to have automatic fire extinguishing devices.\u00a0 Hoods and filters must be in place if grills and deep fat fryers are used.\u00a0 Additional requirements will be fuel shut-offs, hand-held fire extinguishers, as well as receipts providing proof that inspections and hood cleaning are being performed as required.<\/p>\n

\"insuring
Restaurant Safety Starts in the Kitchen<\/figcaption><\/figure>\n

Minimum Coverages<\/strong><\/p>\n

At a minimum, the following factors must be considered before purchasing a commercial insurance policy for a restaurant:<\/p>\n