Checkroom Theft Insurance

Many restaurants will offer a coat check service to patrons dining with them during a cold evening. Checkrooms are a common accessory service in restaurants throughout the colder months or in areas where the climate generally calls for warmer clothes.  It’s important for a restaurant to understand the risks associated with this service and the general liability it falls under. One missing coat could end up costing the establishment an entire evening’s profits.


Restaurant Checkroom Theft

Checkroom theft isn’t limited to someone making their way to the checkroom and stealing an arm full of coats. RPA reports show that many client checkroom claims are filed for redistributing the wrong coats to guests or mixing up ticket numbers. Checkrooms are susceptible to large range of mishandled scenarios that often have nothing to do with theft at all – just a simple mistake. Checkroom theft insurance will cover your reimbursement costs for lost or damaged property, no matter the situation.


Why Have Checkroom Theft Insurance for Your Restaurant?

Since the laws regarding checkroom theft vary from state to state, it’s important to check with your local government to find out what type of liability your restaurant may be held accountable for. The issue that can arise out of a checkroom mishap is not just a coat can go missing. In addition to the physical coat, laws will place the blame on the “innkeeper” if additional contents of the coat go missing. These valuables may include credit cards, jewelry, wallets, keys and other high cost items. Under common law, an “innkeeper” is liable for the loss or damage to a guest’s property for the full value. The only exception of liability would be if the lost property went missing due to an unforeseen act of nature, civil unrest, or the fault of the guests. Today, the general rule exists, however states have placed a cap on the liability that the “innkeeper” may be held responsible for. This cap typically sits in the 250 to 2,000 dollar range.


Restaurant Checkroom Theft Coverage

Checkroom theft insurance is an important precautionary measure to utilize if your restaurant offers coat check services to visiting customers. RPA will help you implement checkroom liability coverage into your existing plan with your insurance carrier. Checkroom theft coverage can be written on to your restaurant’s property insurance under one centralized location for simplified reference and management.  If checkroom theft insurance is right for your restaurant, please contact a Restaurant Programs of American representative today at 844-358-2296 or request a quote. We’ll be glad to teach you everything you need to know about the program and field any questions you may have for us.