The program offers many coverages not available with typical business insurance so that we can tailor a program specific to your restaurant.

Property Coverages

• Buildings
• Business Contents
• Personal Effects & Property of Others
• Actual Loss Loss of Income (up to 12 months coverage)
• Accounts Receivable Records
• $ 25,000 Back-up of Sewers & Drains
• $ 5,000 Claim Data Expense
• Equipment Breakdown Coverage
• $ 25,000 Fine Arts
• $ 10,000 Fire Department Service Charge
• $ 15,000 Fire Protection Equipment Recharge
• $ 5,000 Lock & Key Replacement Coverage
• $ 1,000,000 Newly Acquired Buildings
• $ 500,000 Newly Acquired Contents
• $ 5,000 Non-Owed Detached Trailers
• $ 25,000 Off-Premises Utility Services
• $ 20,000 Outdoor Property
• $ 25,000 Pollant Clean-up & Removal
• $ 25,000 Property In-Transit
• $ 25,000 Property Off Premises
• $ 10,000 Property at an Unnamed Location
• $ 50,000 Spoilage Coverage
• $ 25,000 Utility Services
• Valuable Papers/Records
• $ 10,000 Outdoor Signs

• $ 40,000 Hardware
• $ 10,000 Software & Media
• $ 10,000 Extra Expenses

• $ 25,000 Employee Dishonesty (Blanket)
• $ 10,000 Forgery & Alteration
• $ 25,000 Money & Securities: On Premises
• $ 10,000 Money & Securities: Off Premises
• $ 5,000 Credit Card Slips

• Liability Limits up to $ 1,000,000
• Personal Injury Liability (Slander, False Arrest, Libel, etc)
• $ 500,000 Buildings Rented to You
• $ 15,000 Medical Payments per Person
• Liquor Liability Available