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Restaurants


Traditional Coverage (BOP)


Larger, fine-dining restaurants should be sure to ask about our graduated discounts for liability premium as well as special liquor liability rates.


Property Coverages included with BOP policy:


Accounts Receivable

Buildings and Structures (Includes Building Glass) and BPP

Appurtenant Structures

Awnings

Business Income

Business Income From Dependent Properties

Civil Authority:  Business Income and Extra Expense

Collapse

Debris Removal

Electronic Data

Employee Dishonesty

Extended Business Income

Extra Expense

Fire Department Service Charge

Fire Extinguisher Systems Recharge Expense

Forgery or Alteration

“Fungi,” Wet Rot or Dry Rot (limited coverage)

Glass Expenses

Increased Cost of Construction

Interruption of Computer Operations

Money Orders and “Counterfeit Money”

Newly Acquired or Constructed Property

Outdoor Property

Outdoor Signs

Personal Effects

Personal Property Off Premises

Pollutant Clean-Up and Removal

Preservation of Property

Tenants Improvements and Betterments

Valuable Papers and Records

Water, Other Liquids, Powder/Molten Material Damage


Liability Coverages included with BOP policy:


Business Liability/Medical Expenses

Damage to Premises Rented to You



Also available via endorsement:


Awnings (extends basic limits)

Computer Fraud and Funds Transfer Fraud

Equipment Breakdown*

Employee Benefits Liability

Extended Reporting Period for Employee Benefits Liability

Employment-Related Practices Liability

Extended Reporting Period for Employment-Related Practices Liability

Fine Arts

Fire Department Service Contract

Food Contamination

Liquor Liability

Liquor Liability Exclusion – Exception for Scheduled Activities

Loss or Damage to Customers’ Autos (Legal Liability)

Hired and Non-Owned Auto Liability

Money and Securities

Ordinance or Law

Playground and Amusement Liability

Spoilage

Utility Services – Direct Damage and Time Element

Water Back-Up and Sump Overflow


Businessowners’s Policy can provide Equipment Breakdown Coverage including Mechanical Breakdown through a collaboration with market leaders such as Hartford Steam Boiler Inspection and Insurance Company.  This coverage will be automatically added to every policy unless otherwise specified.



Extended Coverage


For restaurants of all kinds from fast food through fine dining our carriers offer a number of attractive alternatives for enhancing your Business Owner’s Policy:



Special Restaurant Endorsement


Special Restaurant Endorsement can be elected to bundle the following additional coverages at a single reasonable rate:


 

Brands and Labels

Credit Card Slips

Delivery Errors and Omissions

Employee Dishonesty (extends basic coverage)

Fine Arts

Food Contamination

Lock Replacement

Merchandise Withdrawal

Ordinance or Law–Equipment Coverage

Rewards Payments

Spoilage Coverage



Deluxe Restaurant Endorsement


Deluxe Restaurant Endorsements can also provide a valuable extra tier of extended coverage for a number of common exposures including:


BPP – Personal Effects (extends basic limits)

BPP – Checked Coats and Bags

Outdoor Property (extends basic coverage)



Workers’ Compensation Coverage is also available and Commercial Automobile and Commercial Umbrella/Excess Liability Coverages in select states.


Not all products/coverages are available in all states.  Contact Group Coverage, Inc. for more details.


Restaurant Patron Restaurant Place Setting Pub Counter with Brews Fast Food Counter French Chef Chef Master Cafe Table

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