/ BLOG

Why you need a risk management plan for your restaurant business?

Mar 18, 2022 · 6 minutes to read

The restaurant industry is one of the toughest to break into—and even tougher to succeed in. Getting customers through the door and setting yourself apart from the competition is just the start. There are also countless risks you must navigate, from spoiled food to slip and fall injuries.

A restaurant owner

A risk management plan could be your key to success. Understanding where your restaurant, cafe, or catering business is vulnerable and responding to those risks before they happen could mean the difference between cooking up success or closing your kitchen forever.

What is a risk management plan?

A risk management plan (sometimes called a risk mitigation plan) is a strategy for avoiding hazards that could threaten your business. It’s basically a way to help you and your employees prepare for the worst and take steps to make sure these scenarios do not happen.

Risk management plans typically contain:

  • Standard procedures for how to avoid common risks to your restaurant (i.e., slip and fall injuries, food allergies, kitchen fires, etc.)
  • Instructions for how to respond if a worst-case scenario does happen
  • How the business will handle the fallout from accidents or complaints (i.e., public relations strategies, business insurance, etc.)

Risk management in the restaurant industry

There are many steps you could take to help avoid accidents and serious issues in your workplace. Here are some of the most common that restaurant owners typically include in their restaurant, catering, or cafe risk management plans:

1. Provide regular employee training

A risk mitigation plan is useless if no one in your restaurant knows it exists. Providing your staff with regular training to educate and refresh them on proper procedures gives them the knowledge they need to keep their workplace safe and respond to incidents.

Key topics to include in restaurant safety training may include:

  • Proper handling, preparation, and storage of food
  • How to safely lift and carry heavy objects
  • What to do in case of a fire
  • Responsible service of alcohol (this training may be mandatory in your state)
  • How to respond to a robbery

2. Follow health and safety codes

Restaurants and foodservice businesses are subject to routine inspections by their local health department to ensure they are following health and safety regulations. You and your staff should know, understand, and comply with these laws.

Regulated areas typically include:

  • Employee hygiene – This generally includes regular hand washing and wearing appropriate equipment (i.e., gloves, hairnets, etc.) while preparing food.
  • Cleaning equipment and surfaces – How frequently areas of the kitchen must be cleaned and acceptable cleaning supplies for equipment that comes into contact with food
  • Storing food – How different foods must be stored and how long you can keep them before they must be disposed of
  • Safety equipment – Restaurants typically need certain equipment on hand, such as fire extinguishers, to comply with Occupational Health and Safety Administration (OHSA) regulations.

3. Keep your workplace clean

“Slip and fall” accidents are common in restaurants and cafés, as food and drink are often spilled by customers and staff. Cleaning spills immediately and using appropriate signage (i.e., “Caution: wet floor”) can help reduce the number of potential injuries caused by spills.

However, keeping the front of the house clean isn’t your only priority. The kitchen, bathrooms, and outside walkways should also be kept clean of clutter, water, and ice to help prevent falls. You should also focus on cleaning grease traps to prevent fires, properly storing knives when not in use, and other sources of potential injury.

4. Maintain your restaurant’s equipment

Restaurants often rely on equipment to store and prepare food, transport dishes to customers, and keep diners and staff comfortable. Without proper maintenance, you could be putting customers and your business at risk.

Schedule regular maintenance for all essential equipment that your business relies on. This might include refrigerators, freezers, food trucks or delivery vehicles, and your heating and cooling systems.

5. Teach employees how to respond to customer complaints

Any staff who regularly interact with customers should have strong customer service skills. They should know how to respond to complaints and when it is appropriate to get a manager involved. Laying out guidelines for how this works in your restaurant can help ensure that every customer is treated equally.

6. Secure your online systems

Restaurants may not seem like a target of cybercrime, but if you have any devices that connect to the internet, then you could be vulnerable. If you store sensitive customer details, such as credit card numbers, on a point-of-sale device, computer, or tablet, you should take steps to secure your system.

Steps to consider include:

  • Installing anti-virus software
  • Setting up password-protected wi-fi for business purposes (separate from the account shared with customers)
  • Train relevant staff on phishing and other online scams that target business staff

Business insurance for your protection

A risk management plan incorporating the steps above and others could help you prevent many accidents and incidents in your restaurant. However, it may not be possible to avoid them all. Business insurance can help protect your business when the unexpected happens, despite your best efforts.

There are many types of insurance that restaurants, cafés, and catering companies consider. There is coverage available for almost anything that can go wrong in your place of business:

  • General Liability insurance – This policy covers third-party claims and lawsuits of bodily injury and property damage. For restaurants, this would include a customer getting injured after slipping and falling in spilled water or an employee accidentally damaging a customer’s belongings.
  • Workers’ Compensation – This policy covers employee workplace injuries and serious illnesses. It typically pays medical bills and replacement of lost wages while the employee recovers.
  • Cyber Liability – This policy covers malicious software attacks, malware, viruses, and phishing scams that might target your business.
  • Business Owner’s Policy (BOP) – This insurance package can be customized to include different types of coverage. Your restaurant’s BOP might include coverage for business interruptions, property damage, equipment breakdown, and other protections.

Restaurant insurance can help keep your restaurant running even if the worst happens. Rather than pay legal fees, compensation, repairs or replacement costs from your own pocket, your policies would cover these expenses for you. That way, you can focus on what you do best, feeding your community!

Creating your own risk mitigation plan

A restaurant, catering, or cafe risk management plan can help your business avoid accidents and other incidents. You might decide to adopt some of the suggestions detailed above and add your own based on how your restaurant operates.

But if accidents still happen, business insurance could be the backup plan you need to keep your kitchen open. General Liability insurance and other forms of coverage can protect your finances, your business, and your employees. It can also give you important peace of mind as a business owner.

Now you can compare General Liability insurance, Business Owner’s Policies, and more for your restaurant, cafe, or catering company with BizInsure. We’ve made it easy for small business owners to get covered quickly—often in 10 minutes or less!

Get Free Online Quotes and get coverage instantly

The coverage you need for your business.

Business insurance is divided into different policies. We offer 4 types so it's easy to design the coverage that fits your business.

Professional Liability Insurance

Get a quote

General Liability Insurance

Get a quote

Business Owner’s Policy (BOP)

Get a quote

Workers Compensation Insurance

Get a quote

Let's find

The coverage you need for your business

Professional Liability Insurance

Get a quote

General Liability Insurance

Get a quote

Business Owner’s Policy (BOP)

Get a quote

Workers Compensation Insurance

Get a quote

I have been shopping for business liability insurance for several months. I am happy to share that BizInsure ranked #1! The representatives were polite, patient, and empathetic. They accomplished what most companies struggle with achieving: they did what they said they were going to do, they were on time, and they had empathy. They delivered a policy for 25% less than the closest competetor, and even included $50k of cyber security at no additional cost! I only write reviews when I receive exceptional experiences- highly revommended; keep up the great service BizInsure!P.S. I own a professional referral service in Hawai'i and I am going to see if BizInsure offers an affiliate program.Aloha!
John S.
05:51 23 Nov 22
They respond quickly and give you quotes immediately ...
Regean K.
23:55 09 Nov 22
The agent that I spoke to was very experienced and could tell that I was new at this and was very understanding and took the time to explain everything to me.
lotanga J.
00:04 15 Oct 22
Easy to work with and very responsive. Glad to have them as my broker.
Edward G.
18:54 13 Sep 22
We’re very happy with BiInsured LLC. VERY AFFORDABLE
Paul A. F.
19:20 11 Sep 22
Jasmine Q was on the spot professional, she knew where to direct me and explain to me my concerns and request; she delivered my personal information within minutes of me asking policy questions.That young lady is a true ROCK STAT!!!
Shaka 3 Z.
23:09 15 Aug 22
For a small non-profit, the package I was given was affordable. The representative was polite, patient, understanding, and knowledgeable.
Gertrude R.
18:06 15 Aug 22
Asked for a specific venue to be place on our certificate of insurance and it was done within one business day. Yay! Bizinsure!
Melinda S.
17:02 01 Aug 22
The process was fast and easy and the professional staff was very knowledgeable with any questions that I had and ready to help
VALERIE M.
06:40 31 Mar 22
Friendly agents. Timely replies. Fair pricing. This is a good fit for my business! Thank you, Noah, for all your help.
Beth Anne V.
19:27 28 Mar 22
They are awesome
Tony H.
00:41 07 Jan 22
Noa made sure I had all the information I needed for a first time business owner . He helped me understand what I needed to secure a quality policy and he was super helpful when explaining how the policy would serve its purpose to my company. I was very satisfied and had an Awesome experience, I think people like that make the company look good!
Wayleen O.
04:36 15 Oct 21
I was in need of WC, GL and PL coverages for my business and was able to shop, discuss, confirm and purchase all the coverages in two days! This was a great experience, especially when "Time is Money". Noah Bowman was very professional and knowledgeable. Thanks!
AmeriCreed 1.
15:42 23 Sep 21
MOVING FORWARD, I WILL BE SENDING ALL OF MY BUSINESS TO THIS COMPANY !!!! Incredible customer service!!! Thanks
THEODORE W.
19:49 09 Sep 21
Their representative clearly explained different kinds of policies to help me select the one appropriate for my needs and then helped me enroll by phone painlessly. By the end of the call, I had a policy in place.
Dissent D.
22:21 02 Sep 21
Eugene was Awesome!!!!
Lakesha G
17:19 21 Jul 21
Excellent solution for writers and authors professional liability policy as well as coverage for copyright and trademark infringement. Service was prompt and excellent.
Lane
18:22 22 Jun 21
Done in less than an hour!
William O.
00:30 02 Jun 21
Efficient, and great value. The agent was able to give us a quote and a new policy in a short period of time. Thank you
Brenda J.
20:30 24 May 21
I had a great experiencing obtaining several of my insurance needs as a landscaping company here in Northern Colorado. BizInsure's team took care of my needs and was very responsive to help with paperwork needed to secure a potential client account!
Arik S.
16:34 10 May 21
Very efficient they were able to help me out with my request promptly....highly recommend this companyI am very happy to have them
Elba P.
18:50 26 Apr 21
I need a help getting errors and omissions insurance along with general liability. Jose was very friendly informative and was very patient with me during the process. He found me some of the best rates for the coverage that I needed. Highly recommend
Casper M.
19:51 20 Apr 21
I had numerous conversations with several business insurance agents over a month's time. I also had several conversations confirming the policy inclusion/exclusions and asked many questions. My BizInsure agent was professional, knowledgeable and most important—detail oriented. Even after having an initial conversation a month earlier he knew and *remembered* all my personal/professional insurance needs. When I asked for additional information on the third call he was able to provide me with details very quickly. He was also VERY patient. That is a big plus in my opinion. It illustrated a high level of respect for my needs. I also found when I called back and asked to talk with the initial agent, the person who answered the call was able to get in contact quickly and my agent responded and returned the call within 5-10 minutes. The transaction was smooth, and I think it's a good sign should I ever need to make a claim. I highly recommend BizInsure.
Poetic F.
21:00 07 Apr 21
The rep was extremely helpful actually lowered my quote and made sure I was covered to fit my needs with my growing business! 5star!!
Franklin B.
19:04 16 Mar 21
Excellent service and prices.
Cassiopée V L.
23:13 09 Mar 21
Mr. Daniel Scott was very responsive to my professional needs.
Stephanie W.
17:38 18 Feb 21
Eugene deserves a raise! First time purchasing insurance and he made the process so simple for me. His patience and attention to detail left me feeling confident in my decision to choose BizInsure. Gracias Eugene!
Esined P.
23:32 17 Feb 21
The customer service provided by Jose was outstanding. He explained everything in a very clear/logical way and answered all of my questions. After providing all the information to obtain general liability insurance, Jose sent me the declaration page of the insurance for review. All of the information matched what I provided over the phone and there were no typos. The next day I called back to purchase the insurance which was easy and fast. Overall, my experience with BizInsure including the customer service by Jose exceeded my expectations.
Joe W.
03:29 12 Dec 20
Hiscox/BizInsure made getting Liability Insurance very easy and reasonable.I expected it to be a long and complicated process and it was a nice surprise that they made it so uncomplicated. Thank you. Lisa
Lisa W.
21:51 24 Nov 20
Eugene was incredible. I called 4 other brokers before him who were impossible to get any help.
rhonda H.
23:26 12 Nov 20
Very quick to get in touch with you and good with follow up. Had some trouble retrieving my quote to log into my account initially but Daniel assisted me and the changes were made to get me into my account. Great value for the money.
Fran S.
16:34 20 Sep 20
Very happy to be insured with this company. Professional, Timely, very helpful. Thank you Juan, you made it so much easier for me to understand.
Aileen D.
19:55 15 Sep 20
This company responded when I needed them to respond while facing a deadline. They are an excellent choice for business Insurance.
Michele H.
01:52 12 Sep 20
Jose Quintero took such great care of me and was very patient explained everything I did not understand and got me set up quickly. Fabulous customer service
Christina R.
02:41 27 Aug 20
I can't say enough good things about Daniel Santos kind and effective communication skills as an insurance agent. Daniel was so pleasant, friendly and efficient with helping me obtain insurance as a teacher. If I were to give Daniel a grade, he has earned an At . He made the process easy to understand, it was far easier than what I anticipated. Nancy S.
Nancy S.
00:47 26 Aug 20
I was in need of professional liability insurance for my sole proprietorship. A friend referred me. Everythng was quick and simple and AFFORDABLE!
hope J.
20:31 25 Aug 20
If you need Private Home Care Provider insurance for your company, BizInsure, LLC can get it for you!
Pamela C.
16:45 24 Aug 20
Great and fast service!!!! The representative was very professional!!!!
Tanya S.
19:51 14 Jul 20
I was tryi9ng to find commercial liability insurance for my new comp-any and BizInsure was easy to use and very affordable which is great for me as a new business.
Jimmy S.
19:01 14 Jul 20
Great service insurance prices are great for professionals looking to get insurance for businesses....
Rhonda G.
22:34 22 Jun 20
The provided very professional service and made the process easy.
Paul R.
21:51 04 Jun 20
Bradley Hoyle from the Biz Insure team was excellent to work with. Everything was quick and smooth. Great service, much appreciated!
Kristene S.
02:03 04 Jun 20
Anthony Spencer was great!! Very quick response time!! He was very Professional! I would suggest him because he helped me find a affordable rate and explained all the technicalities..
Fre H.
16:38 28 May 20
I was referred to Bizinsure by a industry trade group that I am a member of. It was easy to get a quote online and then received excellent customer service from Bradley H. to complete my policy purchase over the phone. I have shared this company information now with other business owners for their policy needs.
Dawn T.
22:11 08 May 20
This company was very precise with explaining services and made sure I chose the right business insurance coverage, great customer service at purchasing.
Nekeisha B.
01:30 05 May 20
Amazing
Jasmine Q
14:31 02 Dec 19
Trish is the most patient, professional and understanding insurance agent I’ve ever worked with. Trish has taken care of all my business insurance needs for the last couple years. I am really happy that I found an insurance agent that I know will take care of me & all of my concerns. I feel like a valued customer & I appreciate the great customer service that I get every time!!THANK YOU!
Dr. Youssef C. A.
17:21 14 Nov 18
Tricia helped me get insurance for my business. The task of obtaining a quote was really starting to frustrate me until I was referred to BizInsure through a different agency. Tricia got me a quote fast, and even took a down payment over the phone and issued the proof of insurance the same day. a+ service, would do it again in a heartbeat!! Thank you!!
Josh M.
18:07 22 Jun 18
BizInsure was a great find! I did not have to fill out applications, and Tricia was able to quote and bind business insurance for me within half an hour.
Allison Y.
17:28 21 Jun 18
Started doing business again and needed a policy fast. Ramez was reasonable, helpful and the rates are OK. Buyer beware? Sure, for me it turned out OK this time. Worth a call.
Mark W.
23:42 13 Nov 17
Great customer service. I've been very inpressed with my dedicated representative that had helped me navegate my insurence needs. Thanks so much!
Graham B.
22:12 23 Jun 17
js_loader

Popular Searches

Google Rating
4.5
Based on 79 reviews
×
js_loader