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 CoveragesBasic Package LimitsEnhanced Package Limits
Business Income18 months – actual loss sustained18 months – actual loss sustained
Business Income 72-Hour BuybackUsually enhanced onlyIncluded
Seasonal Automatic Increase—BPPAdditional 25% includedAdditional 25% included
Accounts Receivable$5,000*$25,000*
Arson Conviction Reward$5,000$5,000
Brands and LabelsUsually enhanced onlyIncluded
Building OrdinanceAs DesiredAs Desired
Business Owner EDPOptional$10,000*
Claim Expense Coverage$1,000$5,000
Customer Property$2,500$10,000
Debris Removal$10,000$10,000
Equipment BreakdownUsually enhanced onlyIncluded
Fire Department Service Charge$1,000$5,000
Fire Extinguisher Recharge$2,500$10,000
Lock Replacement CoverageUsually enhanced only$1,000
Newly Acquired Buildings$250,000$500,000
Newly Acquired BPP$100,000$250,000
Outdoor SignsOptional$5,000*
Personal Property Off Premises$5,000*$5,000*
Pollutant Cleanup & Removal$10,000$10,000
Premises Boundary1,000 feet1,000 feet
Preservation of Property30 days60 days
Spoilage$2,500*$25,000*
Tenants GlassAs DesiredAs Desired
Trees, Shrubs and Plants$500/$2,500$500/$2,500*
Utility Services—Business InterruptionOptional$10,000*
Valuable Papers and Records$5,000*$25,000*
Crime CoveragesBasic Package LimitsEnhanced 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

Other Insurance Packages

Life Insurance

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Business Insurance