Our Restaurant Program is designed to provide maximum flexibility in coverage to meet the needs of a wide variety of restaurants while providing for rating treatment that is individualized to recognize the unique differences of each account. Coverage is provided by the use of forms created by the Insurance Services Office and by some independent forms created by the carrier to enhance coverage for our restaurant customers.
PROGRAM COVERAGES:
Building (if owned)
Business Personal Property Coverage
Comprehensive General Liability
Coverage for Premises Operations
Products and Completed Operations
OPTIONAL COVERAGES:
Business Income
Ordinance or Law
Food Spoilage
Key and Lock Replacement
Arson Reward
Cost to Recharge Cooking Surface Fire Suppression Systems
Personal and Advertising Injury
Exterior Signs
Employee Dishonesty
Accounts Receivable
Damage to Premises Rented to Insured
LIQUOR LIABILITY:
Available in the following amounts
$100,000
$300,000
$500,000
$1,000,000
ELIGIBLE RISK:
Restaurants with total sales in excess of $150,000
Sales of Alcoholic Beverages up to 35% of annual receipts
Sales of Alcoholic Beverages greater than 35% may be submitted to carrier for individual review
Catering Exposures up to 30% of annual receipts
Delivery Exposures up to 20% of the annual receipts
$100,000