You invest your time, money and effort toward running your restaurant, so your should be confident that the insurance you purchase will protect your business when your need it most.

We offer an affordable way for you to obtain Property and Liability insurance. This policy includes key coverages that are important to any business, and also offers additional business-specific options that are important for any restaurant.

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Core Coverage Highlights :

General Liability Highlights

General Liability Coverage covers you against claims resulting from your business operations due to bodily injury or property damage to others.

General Liability Limits of $1 million per occurrence / $2 million aggregate are standard with an option for higher limits of $2 million per occurrence/ $4 million aggregate available.

Advertising Injury and Personal Injury.

Medical Payments for $5,000 per person.

Damage to Premises Rented to You is included up to $300,000.

Blanket contractual for all insured contracts.

Limited worldwide coverage.

Coverage for Web site injury liability (some restrictions apply).

Products / Completed Operations coverage is included.

Property Highlights

Property coverage covers your Building and Personal Property for replacement cost with no coinsurance.

Accounts Receivable is included up to $25,000.

Business Income and Extra Expense - This covers income that is lost due to suspended operations caused by damage at your business from a covered cause of loss. (optional)

Fine arts up to $25,000

Business Personal Property Off Premises Coverage is provided, including while in transit or temporarily away from the scheduled premise.

Electronic Data Processing Equipment, Data & Media.

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Property & General Liability Features Especially for Restaurants :

General Liability Features

Products Hazard redefined - Bodily Injury resulting from food consumption after delivery (on-premises) is considered a Products / Completed Operations hazard and therefore subject to the Projects / Completed Operations aggregate.

Property Features

Equipment Breakdown

Crime Coverage

Spoilage coverage is included up to $5,000.