Does Restaurant Insurance Cover a Customer's Broken Tooth?

Most restaurants take every step they can to ensure that each customer is given the very best plate of food. It is what keeps your customers coming back to you day in and day out. Yet, mistakes can happen and when they do, they can have devastating results. For example, a customer could chip a tooth on something in the dish. In situations like this, restaurant insurance is in place to help with the losses related to the claim. This could be replacing the tooth through dental appointments. With the proper business insurance, you’ll should have the protections you need in events like this.

The Liability Risks Restaurants Face

All restaurants face some level of liability risk. Customers can fall. They can become hurt when a product fails. And, they can chip their tooth. According to some experts, 130 million people in the U.S. eat at restaurants every day. Of those, a small fraction encounter negative situations that lead to injury or damage to their personal property. However, accidents do happen and when they do, they can lead to costly claims that the restaurant is held liable for paying.

A broken tooth can be painful. They can cause minor disfigurement and embarrassment. In some situations, they can even be a choking risk. Replacement may mean surgical procedures, porcelain veneers, or other types of expensive dentistry. When a customer breaks their tooth, you shouldn’t have to worry if you have business insurance in place with ample liability protection. Most restaurant insurance policies will provide basic liability to cover these types of customer-related losses.

Take a closer look at your existing restaurant insurance policy. Be sure that customer injury is covered within the policy as a form of liability that the policy protects the business from. And, then consider the liability insurance limit you currently have. If that limit is too low or you’ve exhausted your limit previously, consider adding an umbrella insurance policy to extend your coverage further.

Restaurant insurance should be a must for many reasons, including keeping your employees happy and healthy even when situations like this occur. Update your business insurance to represent the risks your business faces to avoid the consequences of such claims. It can make a big difference in the long term for today’s businesses.