managers and a Restaurant
owners know the risk you face in the food service industry are unique. You need an Insurance Agent who
understand your needs and agrees with your philosophy. Prompt professional service is what you need when
your under a deadline. Most of our
Restaurateur clients can expect
to confirm and receive evidence of coverage within 24 hours of application. Same day or
Next day coverage is available on most product markets.
Restaurant Insurance consists primarily of liability coverage, which protects
a Restaurant against injury or damage claims made by other parties. Policies provide for liability arising out of:
Premises and Operations
Fire Damage Liability (damage by fire to premises rented to insured)
Personal and Advertising Injury
You may want to consider a Business Owners Insurance Package which combines your
Restaurant Liability Insurance, Business Property and other types of coverage into one comprehensive
policy which could help you save time and money on your total
protection cost. And since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella
where appropriate. We can tell you more about these plans and help you decide if
one is right for you.
Commercial Property Insurance covers the risk of property loss in a variety of situations.
Coverage can include commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.
Property Insurance may cover two types of property losses:
Direct losses may be covered when
restaurant property is lost, stolen, damaged or destroyed.
Indirect or consequential losses related to direct losses may also be covered.
BUSINESS AUTO INSURANCE -
Business auto insurance covers vehicles that are owned
by you or your restaurant, leased, hired or borrowed by
your contracting businesses, whether you are a contractor, an association, corporations, partnerships or sole proprietorships. Business auto
insurance plans may be used to insure private passenger autos and all types of trucks, trailers, semi trailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverage and deductibles and about tailoring a Business Auto plan that's right for you and your business.