Those who run restaurants are often some of the most passionate business owners, investing time and money to deliver a high-quality experience to their customers. However, the hospitality industry can be unforgiving, and it’s a constant challenge for owners to deliver exceptional food and service while maintaining profitability. The list below provides an overview of these restaurant industry risks and more—helping you identify potential blind spots in your risk management and insurance programs.

More than most other businesses, restaurants are loaded with hazards. What’s more, employers not only have to ensure employee safety, but patron safety as well, often creating a complex, risk-management challenge. Thankfully, taking the appropriate precautions and accessing your exposures on a risk-by-risk basis can go a long way toward protecting your investment. This guide is designed to provide a summary of the major risks restaurant owners must address and includes helpful strategies and materials they can use to reduce the exposures associated with their business.