Restaurant Insurance

What Is Restaurant Insurance?

Restaurant Insurance Varies Depending on Several Variables. Please See The Chart Blow For Further Details.

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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