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Why Choose Pronto Restaurant Insurance?

Business plan written. Location rented. Permits and licenses in hand.  

You’re well on your way to fulfilling this dream. And soon you’ll be opening your doors to hungry, eager patrons. But ahead of marketing and hiring, and long before the first customer can savor your signature dish, it’s likely that you’re already on the hook for a hefty chunk of change.  

Some estimates put the cost to open a restaurant at anywhere from a few thousand to a few million dollars. That’s a wide range, and there are a host of variables, but here’s the point–whatever it costs, it’s a major investment for you, personally. Your heart and soul are in this venture, and your family often gets carried along in your dreams. With so much at stake, one mishap could spell serious trouble.  

Real-Life Risks

Theft, accidents, oversight, natural disasters–these perils know no boundaries. And though we can be sure that risks will become realities, we never know when they’re coming. Thankfully, they can always be protected against.  

But not only will insurance protect you when things go wrong, it will also paint you as responsible and capable right from the outset. In addition, some situations–like renting property, applying for loans, and contracting with clients–may require proof of insurance. Other forms of insurance, such as Worker’s Compensation, are legally required. When you’re faced with hard-and-fast rules, you’ll want to be confident in your coverage choices. 

It’s also a good idea to spend some time on hypotheticals and ask yourself:  

“What if…

...my business suffers because of a natural disaster?”

...ingredients I purchase are contaminated?”

...a patron is injured at my restaurant and decides to sue?”

...a company vehicle is responsible for an accident?”

...my business is hit by a data breach?” 

If any of the above risks move from just “possible” to real-world, can your business afford to keep running while also paying for damages? If you have the right insurance coverage, then yes, it can. 

“Number One” Concern

Beyond the tangible, everyday mishaps, there’s also the very real toll that opening a restaurant can take on your health and well-being. You may feel confident that you can handle the stress and challenges. But when you’re down in it and a health concern arises, who will be there to pick up the slack? What if you have to suspend operations? These are questions you’ll want to answer before day-to-day business takes too much time and energy.  

Remember too, that once this business is built and running, employees are depending on you. They are your most valuable assets and one way to repay their trust and dedication is with insurance options that will help them if and when they need it. 

Reflect to Protect

It’s no fun to think of the awful things that could happen to your business, but it’s in that awareness that solid insurance decisions are reached. Even if you’re not a newcomer to the restaurant world, risks can change as your business grows. A yearly once-over your insurance plan is a great way to assess whether coverage levels adequately address risk. Give Pronto Insurance a call to sort things out and put coverage in place that will protect you and your investments, whatever life brings.

Interested in More Information?

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