Restaurant Package Policy

Some coverage enhancements include:

Property

  • Restaurant
  • Business Interruption – Actual loss sustained 12 months
  • Food Spoilage or Contamination
  • Outdoor Signs – attached and unattached: $7,500
  • Credit Card – charges uncollectible as a result of an insured loss: $2,500
  • Water Backup and Overflow – from sewers, drains or sumps: $5,000
  • Business Income is extended to include Power Failure. A 24-hour deductible applies.
  • Mechanical breakdown coverage
  • Fine Arts
  • Sign Coverage
  • Coverage for computer equipment media, data programs and communications equipment
  • Employee dishonesty and crime coverage

General Liability

  • Expanded Fire Damage Coverage – extended to apply not only as a result of fire, but also explosion, release of smoke from an unfriendly fire, or sprinkler leakage incidents.
  • Tenants’ Property Damage – coverage extends to premises you rent or temporarily occupy with permission of the owner.
  • Garage Keepers Liability for Valet Parking
  • Liberalization Clause – if the commercial general liability coverage form is broadened to provide additional coverage with no additional premium, and the effective date of the change is during your policy period, your policy will automatically provide this additional coverage on the effective date of the revision.
  • Additional Insured By Written Contract, Agreement or Permit – additional insureds are automatically included if the requirement for this status is a written arrangement.
  • Extended Coverage for Newly Acquired Organizations – coverage is afforded until the end of the policy period, regardless of whether this time exceeds 90 days.

Optional Coverage

  • Liquor Liability – your business may be eligible for liquor liability coverage. Availability varies by state.
  • Automobile
  • Boiler & Machinery
  • Employee Benefit Liability – provides coverage for financial losses relating to private employee benefit programs due to administrators’ errors and omissions.
  • Workers Compensation

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