Restaurant Insurance

Building Coverage

Protects your building and on-site structures, machinery, equipment, floor coverings, outdoor furniture, garages, fences and additions under construction.

Optional Coverage Increase Available For: Other appurtenant building structures on premises, lobby and hallway furnishings, walkways, patios and signs, fences, exterior and interior building glass.

Improvements and Betterments Insurance

If you rent your office space and you made improvements this will cover loss to those improvements. Protects you against damage or destruction of improvements or betterments made by you (the tenant) in a property not owned by you.

Business personal property

Protects business personal property, such as furniture, fixtures, machinery or personal property of others that is in your care.

Property off premises

Coverage for property while off premises such as equipment to deliver goods.

Business Auto

Covers damage to your vehicle(s), damage to the property of others and injury to those involved in an accident.

Property in transit

Covers damage to property while being delivered

Accounting Restoration

Covers the increased costs of collecting accounts, re-establishing the accounts receivable records and any amounts uncollected as a result of the destruction of accounts receivable records.

Business Income / Interruption coverage

Covers cost up to 12 months to continue operations while repairing damage to reopen business. Includes coverage for extra expense in doing so.

Money and securities

Protection for the theft, disappearance or destruction of your money.

Money orders & counterfeit paper currency

Protection against loss due to counterfeit paper or forged / false money orders

Employee dishonesty

Protects the loss of money, securities and property from the fraudulent act of an employee.

Spoilage

Reimburses for lost perishables due to refrigeration unit breakdown or power outage.

Food Contamination

Protects you from from financial loss due to injury directly from food contamination. Also helps restore reputation.

Equipment Breakdown

Coverage for damage caused by power surges, mechanical breakdown, motor burnout, and boiler damage

Valet Parking Coverage

Covers damage to customer vehicles caused by valets.

Liquor Liability

Covers injury to people or damage to property caused by someone who was served alcohol in your place of business.

General Liability

Covers medical expenses, attorney fees and damages when you’re legally responsible.

Medical Payments

Covers medical bills of people injured on your property or as result of your operations. Unlike other liability coverage's this one pays out immediately and without determination of fault.

Workers Compensation

Covers medical cost for an injured employee. Also may pay out partial lost wages if injury causes employee to take time from work.