Equipment Breakdown Tops Small Restaurant Claims List.

The article from Insurance Journal highlights the top claim drivers for small restaurants in various states, such as equipment breakdown in Pennsylvania, employee injury in Florida, vandalism in California, and fire in New Jersey and Tennessee. The report also identifies common claims like water damage, fire, food spoilage, power outages, and wind. The study reveals that fine dining restaurants experience the highest average claims, and the top four most expensive claims are fire, slip and fall, assault and battery, and water damage. Additionally, the article discusses emerging risks in the restaurant industry, such as the impact of automation on reducing the number of employees and the potential consequences of equipment breakdowns due to reliance on technology. [Extracted from the article]