Restaurant Owner Business Insurance
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We offer comprehensive insurance coverage is specifically designed to meet the needs of your restaurant business.
We include the following coverages on all Restaurants:
Spoilage – Equipment Breakdown - $100,000
Spoilage – Contamination & Power Outage - $10,000 pays for loss of perishable stock
Food Contamination – Business Income/Extra Expenses $10,000 – helps cover expenses incurred as a result of your business being ordered to close by the Board of Health or another governmental authority.
Food Contamination – Advertising Expense - $3,000
Loss of Keys - $1,000 – pays for the loss to repair or replace locks at your premises due to theft or other loss to keys.
Brands & Labels
Ordinance or Law Equipment Coverage
Employee Dishonesty Coverage to include theft of customers’ property by an identified employee
Errors & Omissions in the delivery of items sold by the restaurant
Coverage for costs associated with merchandise withdrawal, including: notifications, overtime, transportation, store space and/or disposal.
Business Interruption and Extra Expense – for the actual loss sustained for 12 months
Equipment Breakdown Coverage – Our policy protects you against the breakdown of mechanical, electrical and production equipment due to the electrical disruption, power surges and short circuits, as well as steam boiler explosions.
Comprehensive Identity Management Services
Accounts Receivable - $15,000
Automatic Liability Coverage for Newly Acquired Restaurants – 90 days
Damage to Premises Rented to You - $100,000
Employee Dishonesty - $10,000
Fire Department Service Charge - $5,000
Fire Extinguisher System Recharge - $5,000
Forgery or Alteration - $2,500
Identity Theft Expense Coverage - $2,500
Increased Cost of Construction - $10,000
Lock & Key Replacement - $1,000
Medical Expenses - $5,000
Money & Securities – Inside/Outside - $5,000/$2,000
Money Orders & Counterfeit Money - $1,000
Newly Acquired Locations – Business Income - $5,000
Newly Acquired or Constructed Buildings - $250,000 and 30 days
Newly Acquired Business Personal Property - $100,000 and 30 days
Outdoor Property - $5,000
Outdoor Signs - $5,000
Property Off-Premises - $15,000
Reward Payment - $5,000
Valuable Papers & Records – Off-Premises - $5,000/$10,000 On Premises
Water Back-Up & Sump Pump Overflow - $5,000
Water Back-Up & Sump Pump Overflow – Business Income - $5,000
Properties must be modern and well maintained.
The following types of restaurants are available if they meet guidelines:
Limited Cooking Restaurants
Fast Food Restaurants
Casual Dining Restaurants
Restaurant Cooking Requirements will apply for:
Clearance to Combustibles
Hood & Ductwork Servicing
Fire Extinguishing Systems
Deep Fat Fryers
Need More Coverage?
Add the following coverages to your policy:
Loss or Damage to Customers’ Autos (Legal Liability Coverage) is available for loss or damage to customers’ and invitees’ autos in your care, custody or control. Coverage applies only for the insured’s legal liability for the loss or damage.
Employment Practices Liability – protects you as an employer from claims made by employees alleging wrongful termination, discrimination or harassment, including sexual harassment. It also provides coverage wit hrespect to claims or suits made by customers, vendors or clients who do business with you but do not work for you.
*Insurance coverage by McInturf-Fulmer can be tailored to provide specific coverages for your restaurant operation needs. Most of the coverages included can be increased and other coverages added to round out your policy. A bundle of coverages can be added by purchasing the BOP Platinum Plus Endorsement.