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Restaurant Insurance

Typical Restaurant Coverage Summary
Property Coverages Basic Package Limits Enhanced Package Limits
Business Income 18 months – actual loss sustained 18 months – actual loss sustained
Business Income 72-Hour Buyback Usually enhanced only Included
Seasonal Automatic Increase—BPP Additional 25% included Additional 25% included
Accounts Receivable $5,000* $25,000*
Arson Conviction Reward $5,000 $5,000
Brands and Labels Usually enhanced only Included
Building Ordinance As Desired As Desired
Business Owner EDP Optional $10,000*
Claim Expense Coverage $1,000 $5,000
Customer Property $2,500 $10,000
Debris Removal $10,000 $10,000
Equipment Breakdown Usually enhanced only Included
Fire Department Service Charge $1,000 $5,000
Fire Extinguisher Recharge $2,500 $10,000
Lock Replacement Coverage Usually enhanced only $1,000
Newly Acquired Buildings $250,000 $500,000
Newly Acquired BPP $100,000 $250,000
Outdoor Signs Optional $5,000*
Personal Property Off Premises $5,000* $5,000*
Pollutant Cleanup & Removal $10,000 $10,000
Premises Boundary 1,000 feet 1,000 feet
Preservation of Property 30 days 60 days
Spoilage $2,500* $25,000*
Tenants Glass As Desired As Desired
Trees, Shrubs and Plants $500/$2,500 $500/$2,500*
Utility Services—Business Interruption Optional $10,000*
Valuable Papers and Records $5,000* $25,000*
Crime Coverages Basic Package Limits Enhanced Package Limits
Employee Dishonesty $1,000* $10,000*
Money and Securities – Inside/Outside $2,500* $5,000*
Forgery and Alteration $2,500 $2,500
Money Orders & Counterfeit Paper Currency $1,000 $10,000

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