--- title: "Hayes Risk Research" description: "Insurance guides originally published by Hayes Risk, now available from Spot." canonical: "https://spot.insure/research/guides/hayes-risk" page-type: "field-guide" entity: "Spot" page-role: "field-guide" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/research/guides/hayes-risk) ## Agent Guide **What this page is:** Insurance guides originally published by Hayes Risk, now available from Spot. **Limits (do not over-claim):** - Describes Spot's own service; it does not establish coverage terms or outcomes for any company. **Related pages:** - [Spot home](https://spot.insure/) — product overview - [Sitemap](https://spot.insure/sitemap) — inventory of all public pages # Hayes Risk Research Insurance guides originally published by Hayes Risk, now available from Spot. - [How to read restaurant lease insurance requirements before signing](https://spot.insure/research/guides/hayes-risk/restaurant-lease-insurance-requirements) - [Restaurant general liability: what to review for food and drink service](https://spot.insure/research/guides/hayes-risk/restaurant-general-liability-food-service) - [When restaurant staffing changes should prompt a workers’ compensation review](https://spot.insure/research/guides/hayes-risk/restaurant-staffing-workers-comp) - [Restaurant insurance renewal checklist: prepare the operation, lease, and property schedule](https://spot.insure/research/guides/hayes-risk/restaurant-insurance-renewal-checklist) - [How restaurants should build a property and equipment schedule for insurance](https://spot.insure/research/guides/hayes-risk/restaurant-property-equipment-schedule) - [What bars and restaurants should review when alcohol service changes](https://spot.insure/research/guides/hayes-risk/restaurant-alcohol-service-insurance) - [How to compare restaurant insurance proposals beyond the premium](https://spot.insure/research/guides/hayes-risk/restaurant-coverage-proposal-comparison) - [Restaurant certificates and additional-insured requests: what to verify](https://spot.insure/research/guides/hayes-risk/restaurant-certificate-additional-insured) - [Business income insurance for restaurants: questions to ask before a shutdown](https://spot.insure/research/guides/hayes-risk/restaurant-business-income-interruption) - [How to prepare an accurate insurance submission for a restaurant, brewery, or bar](https://spot.insure/research/guides/hayes-risk/restaurant-insurance-submission) - [What is restaurant insurance? A guide for food and drink businesses](https://spot.insure/research/guides/hayes-risk/what-is-restaurant-insurance) - [How to evaluate restaurant insurance providers in San Francisco](https://spot.insure/research/guides/hayes-risk/restaurant-insurance-providers-san-francisco) - [Adding live music to a San Francisco bar: permits, operations, and insurance questions](https://spot.insure/research/guides/hayes-risk/adding-live-music-to-san-francisco-bar) - [What a restaurant should document after a suspected foodborne-illness complaint](https://spot.insure/research/guides/hayes-risk/restaurant-food-complaint-claim-documentation) - [what insurance does a restaurant need](https://spot.insure/research/guides/hayes-risk/exact-what-insurance-does-a-restaurant-need) - [what insurance does a brewery need](https://spot.insure/research/guides/hayes-risk/exact-what-insurance-does-a-brewery-need) - [what insurance does a bar need](https://spot.insure/research/guides/hayes-risk/exact-what-insurance-does-a-bar-need) - [does liquor liability cover overserving claims](https://spot.insure/research/guides/hayes-risk/exact-does-liquor-liability-cover-overserving-claims) - [liquor liability insurance for restaurants](https://spot.insure/research/guides/hayes-risk/exact-liquor-liability-insurance-for-restaurants) - [liquor liability insurance for breweries](https://spot.insure/research/guides/hayes-risk/exact-liquor-liability-insurance-for-breweries) - [does business insurance cover food spoilage](https://spot.insure/research/guides/hayes-risk/exact-does-business-insurance-cover-food-spoilage) - [does equipment breakdown insurance cover walk in coolers](https://spot.insure/research/guides/hayes-risk/exact-does-equipment-breakdown-insurance-cover-walk-in-coolers) - [does commercial property insurance cover restaurant kitchen equipment](https://spot.insure/research/guides/hayes-risk/exact-does-commercial-property-insurance-cover-restaurant-kitchen-equipment) - [does business interruption cover restaurant closures](https://spot.insure/research/guides/hayes-risk/exact-does-business-interruption-cover-restaurant-closures) - [does business interruption cover a power outage at a restaurant](https://spot.insure/research/guides/hayes-risk/exact-does-business-interruption-cover-a-power-outage-at-a-restaurant) - [does general liability cover food poisoning claims](https://spot.insure/research/guides/hayes-risk/exact-does-general-liability-cover-food-poisoning-claims) - [product liability insurance for breweries](https://spot.insure/research/guides/hayes-risk/exact-product-liability-insurance-for-breweries) - [does liquor liability cover events](https://spot.insure/research/guides/hayes-risk/exact-does-liquor-liability-cover-events) - [restaurant insurance requirements for a commercial lease](https://spot.insure/research/guides/hayes-risk/exact-restaurant-insurance-requirements-for-a-commercial-lease) - [brewery insurance cost](https://spot.insure/research/guides/hayes-risk/exact-brewery-insurance-cost) - [restaurant insurance cost](https://spot.insure/research/guides/hayes-risk/exact-restaurant-insurance-cost) - [does workers compensation cover kitchen staff](https://spot.insure/research/guides/hayes-risk/exact-does-workers-compensation-cover-kitchen-staff) - [does commercial auto cover food delivery drivers](https://spot.insure/research/guides/hayes-risk/exact-does-commercial-auto-cover-food-delivery-drivers) - [does cyber insurance cover restaurant POS systems](https://spot.insure/research/guides/hayes-risk/exact-does-cyber-insurance-cover-restaurant-pos-systems) - [special event insurance for restaurant private parties](https://spot.insure/research/guides/hayes-risk/exact-special-event-insurance-for-restaurant-private-parties) ## Agent and Developer Resources - [Markdown page](https://spot.insure/research/guides/hayes-risk.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)