Richards Insurance Agency provides coverage to the Lincoln, NE community. We strive to serve our clients with passion and integrity. For over 20 years, we have helped our clients protect their assets and stay covered in the event of an emergency. We look forward to assisting you with your insurance needs.

Why Restaurant Owners Should Research Umbrella Insurance

Umbrella insurance is supplemental coverage that protects you during uncertain times. Normally, the policy is used to help protect assets from being seized due to a serious liability dispute. As a local Lincoln, NE restaurant owner, you know the risks associated with operating your business. You face challenges daily. Umbrella insurance can prevent you from dealing with disaster.

Attracting customers is the primary objective of your business. However, there are a few ways that things may take a turn for the worst. Imagine if one of your customers slips and falls in the dining areas or parking lot. You could face potential litigation if they suffer serious injuries. Imagine your customer has a bad reaction to one of your menu items, and they plan to pursue litigation. Umbrella insurance gives you a safety net as you deal with the charges.

If you have an issue with one of your employees, umbrella insurance can help you protect the reputation of your business. You are covered if your employees pursue litigation by alleging discrimination or wrongful termination.

If you serve alcohol at your restaurant, umbrella insurance can prevent you from being held liable for the actions of a patron. If you serve a patron alcohol, and they end up causing property damage or harming someone, you may be indirectly responsible. Umbrella insurance can be an asset as you go through the process.