Any business needs adequate insurance cover to protect it against disaster. However, a restaurant has unique features which need a special set of policies for full coverage. Here are seven types of insurance no restaurant should be without.

The short answer is no, employer liability insurance is not the same as workers’ compensation. General liability provides coverage for claims and lawsuits filed by members of the general public, while workers’ compensation protects a business from claims or lawsuits filed by employees. Read on to know how they work together and why your business needs both.

Imagine what would happen if someone would trip and break a leg while in your store. Or if the heating system your workers installed quit working in the middle of winter. Without business liability insurance, you could be exposed to possible lawsuits, and have to pay for the damages out of pocket.

Nearly 80 percent of people believe that personal injury attorneys encourage those who have not really been injured to sue. It has become more important than ever to protect yourself legally as a business owner.