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Is Umbrella Insurance Appropriate for a Restaurant?

Umbrella insurance policies are designed to help a variety of businesses and individuals thrive. But are they right for restaurants? We at David King Insurance Services LLC can help you understand these facets and give your Coppell, TX restaurant the coverage that it needs to stay strong and secure for years to come without issue.

Why Restaurants May Want Umbrella Insurance 

If you own a restaurant, you likely need high-quality liability insurance. There are many scenarios in which liability may be a huge problem for some restaurants. As a result, you may need umbrella policies, which provide extra coverage on top of your standard policy. Here are a few situations that an umbrella policy can protect you against, giving you an idea of why they’re so vital:

  • Damaging food poisoning cases that affect many people 
  • Slip and fall cases where a person is injured heavily 
  • Burns caused by your food or your cooking processes 
  • Heavy injuries caused by table collapses or other structural issues

If you have experienced any of these situations or are worried that they might affect you, it is a good idea to talk to an insurance company right away about your umbrella policy options. Our team can help you better understand your options here and give you the insight that you need. And we’ll do what we can to make sure that your option is suitably designed for your specific restaurant needs.

Give Our Services a Chance 

As you can see, the best restaurants will thrive if they get an umbrella insurance policy. So please make sure that you talk to us at David King Insurance Services LLC right away. We can help Coppell, TX residents get the high-quality insurance that they need for their restaurants and their protection.

Why do you need umbrella insurance?

Umbrella insurance is a type of policy that expands your existing liability coverage, therefore, filling the gaps left by homeowners or auto insurance. Buying an umbrella insurance policy can offer extra financial security if an unexpected eventuality occurs. Contact us today at David King Insurance Services LLC in Coppell, TX, and our agents will help you land proper coverage that instills peace of mind.

In a nutshell, an umbrella insurance policy cushions you from liability claims that supersede the typical insurance limits. Most insurance representatives recommend that an umbrella insurance policy be acquired by anyone who possesses sizable assets. This superstition is not the ultimate truth! Because even an individual who has an average net worth is susceptible to a potential lawsuit, which can culminate into financial ruin for the rest of his/her life.

If a third party successfully sues you, all your hard-earned assets could be at risk. Acquiring extended coverage and some different types of insurance policies as a Texas resident is pivotal because it can substantially increase your financial security. Umbrella policy rates depend on the type of policy and coverage limits. Visit us today at David King Insurance Services LLC offices, and our trusted agents will provide you with competitive insurance plans and rates of umbrella insurance.

Why do you need an umbrella insurance policy?

  • Umbrella liability coverage offers protection against the imminent financial fallouts of certain types of unexpected phenomena that culminate in property damage or bodily injury for which the policyholder is deemed responsible.
  • An umbrella liability takes into effect when other insurance policies such as auto and homeowners have been depleted.
  • In some instances, umbrella insurance policies are tailored to offer a broader form of protection that is not covered by the underlying policies such as false arrest, slander, libel, or defamation by assisting you in catering to legal fees.
  • Additionally, an umbrella insurance policy can extend coverage to family members, including your spouse and children, against high costs that arise from accidents.

Did you know that investing in an umbrella insurance policy can potentially salvage you a significant amount of dollars down the road? Contact us or visit our office at David King Insurance Services LLC in Coppell, TX. Our professional team will help you get outstanding umbrella insurance that will continuously meet your needs.

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