Restaurants

A restaurant typically receives shipped products, prepares the food on-site, serves it in the restaurant, creates invoices, pays suppliers and employees, and cleans the establishment. They have full- and part-time employees and carry liability, property (often in the form of a Business Owners Policy or BOP) and Workers Compensation insurance. If any type of liquor or beer is served, they are required to have liquor liability insurance as well. Offering delivery would create a need for commercial auto, especially if catering is involved.