The principle of public liability insurance is low rate and wide coverage, and the benchmark rate is very low. Although the premium rates of public liability insurance vary from insurance company to insurance company due to the differences in coverage and content, they are generally at the level of several thousandths. Under normal circumstances, catering enterprises with annual sales of 3 million yuan to 5 million yuan need to pay a premium of about 2,000 yuan each year if they buy comprehensive insurance for the catering industry with an insurance amount of 6.5438+0 million yuan. For a restaurant with an annual income of over one million yuan, it is very necessary and cost-effective to get the insurance coverage of 6,543,800 yuan with the annual premium expenditure of 2,000 yuan. In addition, the premium can also be charged in the cost, which can be said not to constitute an economic burden. The key is whether the enterprise has this awareness of risk control. The coverage of comprehensive insurance for catering industry includes fire and explosion; Food poisoning, including poisoning by others; Falls, burns, bumps and abrasions; Accidents occur during the normal use of the elevator; Advertisements, neon lights, decorations, accidents, etc.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.