First you need to find out what insurance policies are obligatory in your state/country. You will probably need the following:
Liability insurance also known as Commercial General Liability insurance which protects you from lawsuits filed by customers or employees.
Property Insurance which comes into effect in the event of property damage from both natural disasters (e.g. floods) as well as man-made damage.
Workmen's Compensation Insurance covers damages resulting from employee injuries and pays out percentage of the employees salary in the event of on the job injuries.
Commercial Auto Insurance for delivery vehicles.
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A small business would need health insurance coverage to offer peace of mind to the owner and workers as it means if something happens they are covered and do not need to worry about expensive hospital bills.
What do you need for start a health insurance company
Contact an agent in your area, if they do not sell this type of coverage/policy they will be able to refer you an agent that does.
There is no simple answer without knowing what kind of small business you have. A small factory will pay more for their insurance than say a Donut Shop or a Daycare Center. you might pay $800 per year or you may need to pay $800,000 per year. it all just depends on the risk exposure of your business operations.
There are many types of insurance you will need to own and operate your barbershop. The most important insurance will be liability insurance. Liability insurance will protect you in the event someone is injured on your property.
BUISNESS
Logically, it depends on the restaurant. In a typical Chinese restaurant, you can get stuffed for about $7.50. At "21" in New York, a hamburger and a soft drink will run you about $35.
It seems like there might be a typo in your question. Did you mean "customer"? If so, a customer is a person or entity who purchases goods or services from a business in exchange for payment. Customers are essential to the success of a business as they drive revenue and sustain operations.
A restaurant Business Owners policy with good liability should do the trick. You'll also need workers comp, and for the owner, life insurance, Disability Insurance and eventually a good retirement plan. Call an agent that works with commercial insurance.
The structure is covered but the contents of the restaurant are not. For instance, your ovens, sinks, dishes fixtures, tables,etc would not be covered. You must have liability insurance for the CONTENTS of the restaurant. I don't know everything about insurance, but I do know that liability insurance won't replace your furnishings. You will need the commercial equivalent of the comprehensive part of Homeowners Insurance.
There is a specific type of insurance for all restaurants. For Thai restaurants , it would be ideal to get a commercial property insurance or in the alternative, a general liability insurance.
To open a small family restaurant you will need materials, inventory, a cook, a wait staff and suppliers. Operating a restaurant can be difficult in the first few years because the profit margins are slim.
You need A General Liability Insurance Policy
Small businesses need insurance policies to protect themselves from financial losses due to unexpected events. A business insurance policy can cover losses due to property damage, liability, employee injury, and other risks. Having an insurance policy can also help a business to remain compliant with laws and regulations, as certain types of insurance are required in order to operate. Additionally, an insurance policy can help a business to attract customers, as customers may be more likely to do business with a company that is insured.
You need small business in any state. Business insurance is purchased to help you protect the business from lawsuits, damages, claims, etc so it doesn't matter what state you are in. If you have a business that has a location, sales, employees, assets, or good ideas, you need insurance.
Virgin insurance is a small insurance company based out of Pennsylvania. Virgin insurance does have offices located in Pennsylvania. If you need insurance in Pennsylvania, it can't hurt to get a quote from them.
You can have a cheeseburger and a hamburger you just need to take off the cheese on the cheeseburger