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Successful restaurants pay close attention to every detail. Restaurant patrons expect more than just good food, they want service too. Patrons expect their dining experience to include prompt, courteous and professional service. We believe that you also deserve excellent service when it comes to your insurance needs.
As our customer, we'll give you the special insurance services your restaurant business needs. We will provide you with a comprehensive insurance policy designed just for restaurants and the expert services of experienced loss prevention and claim professionals at no extra charge.
A standard business policy provides thorough coverage for business insurance needs, however, not every business is the same. If needed, you can add coverage to your policy that covers specific insurance needs.
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| Coverage Basics |
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Our restaurant policies have become one of the most popular coverage forms ever developed for restaurant owners and managers. They They have broad property and liability coverages while maintaining some of the most flexible rating systems in the industry.
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| Special Coverages Just for Restaurants |
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We suggest optional special coverages for restaurants. This add-on to your business insurance policy enhances the security of your restaurant insurance even further. Here are a few of the highlights from this all-in-one coverage for restaurants:
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| Off Premises Power Failure |
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You need to portect the machinery and systems that keepyour business running.
This endorsement extends the traditional Business Income coverage
losses resulting from interruption of water, communication or
power supply.
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| Contamination, Spoilage, Change in Temperature or Humidity Coverage |
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Our policy responds when the Board of Health or other governmental body requires you to close your restaurant due to food contamination. We will pay up to $50,000 for loss of business income. We will also pay up to $5,000 to clean up your equipment (based on local Board of Health requirements) as well as the cost to replace goods that are declared contaminated.
We also provide up to $10,000 of coverage for spoilage to perishable stock, due to change in temperature, contamination by a refrigerant or power outage.
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| Money, Checks and Stamps Coverage |
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| Fire Protection Device Recharge |
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| Extra Expense |
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Coverage for extra expenses you may incur during restoration following a covered loss.
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| Incidental Medical Malpractice |
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We automatically include this coverage to protect you for liability arising out of immediate first aid measure taken if one of your customers becomes injured. A limit of $300,000 is included, with options up to $2,000,000.
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| Loss Data Preparation Cost |
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Payment of reasonable costs an insured incurs in preparing loss data required by our policy conditions after a covered property loss.
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| Glass |
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| Debris Removal |
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| Options |
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In addition to the Special Coverages for Restauarants, we can also offer you the option of choosing additional coverages that allow you to complement the coverage needs of your individual restaurant operation. You can choose all the optional coverages, or just pick the ones you need.
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| Your coverage options include: |
- Liquor Liability
- Replacement Cost on Contents
- Agreed Amount Coverage on Buildings
- Coat Check
- GarageKeepers Liability
- Commercial Umbrella
- Commercial Automobile Coverage
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You may also want to add Inland Marine coverages that may include scheduled Fine Arts, Earthquake, EDP and other coverages.
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