Restaurants

• Property – Cover your building(s), improvements, contents, equipment, and inventory from a covered accidental direct physical loss.
• Liability – Protection against costly claims and lawsuits covered under the policy arising from property damage, bodily injury, or personal and advertising injury.
• Food Contamination – Loss of Income – Provides coverage for business income, direct damages, and additional advertising expenses if your business is ordered closed by the Board of Health or any other governmental authority as a result of food contamination.
• Loss of Income – Protection in case your operations are suspended due to a covered loss.
• Spoilage – Coverage for accidental direct physical loss to perishable goods caused by mechanical breakdown, power outage, or refrigerant contamination.
• Equipment Breakdown – Coverage for damage to covered property caused by mechanical breakdown of covered equipment, artificially generated current damaging covered equipment, explosion of steam boilers or loss of steam/hot water boilers.
• Employee Dishonesty – Protection against direct physical loss to business personal property including money and securities resulting from dishonest acts committed by employees.
• Backup of Sewer or Drain – Coverage for losses to property at the premises caused by water which backs up from a sewer or drain located in- the interior of the structure.

Customize your coverage

• Data Compromise and Identity Restoration – Provides coverages that work together to help your business and you get back on track after a data breach occurs or if you, the business owner, becomes a victim of identity theft.
• Hired Auto – Helps to protect for insured’s legal liability arising out of the maintenance or use of a hired auto by the insured or insured’s employees.
• Ordinance or Law – Covers the loss of value and increased cost due to the enforcement of municipal laws or ordinances regulating the construction or repair of damaged buildings caused by an insured loss.