Businesses of all kinds need general liability coverage, but restaurants especially do. If your Mexican restaurant is popular at all, you can expect dozens of people to visit on a daily basis. From a business standpoint, this sounds great, but it can also lead to legal issues if you are not properly insured. If any of your customers slip and fall, or even damage their vehicle in your parking lot, you could be responsible for their medical and car repair bills.
When you have general liability as part of your Mexican restaurant insurance, you will also be covered when it comes to any legal costs you incur if you are ever accused of libel, slander, or copyright infringement. That’s why liability is an important part of business insurance.
Every business needs a BOP, since it combines a few important types of coverage. One crucial detail of this policy is that it will pay for building repairs when your restaurant is damaged as a result of a fire, vandalism, or nearly any other type of destructive event. It will also pay to replace any contents of the building, such as chairs and tables, if they are damaged. The BOP also covers accounts receivable, electronic data loss, sewer and drain backup, and more.