Insurance coverage for:
- Restaurants – Casual, Fine Dining, Fast Food
- Wine Bars
- Night Clubs
- Personal Chefs
- And much more…
GENERAL LIABILITY requirements – Food Product Liability, Farmer’s Markets vendor liability, Event Location Liability, Commercial Kitchen/Restaurant lease requirements – additional insured endorsements and waiver of subrogation available upon request. Fees, if any, vary by insurance carrier. Sales, square footage, payrolls are the common rating factors depending on operations
LIQUOR LIABILITY – available annually or can be purchased per event. Rating factors include number of event attendees, type of event, gross sales/receipts of beer, wine and/or spirits.
PROPERTY COVERAGE – Tenant Improvement coverage for kitchen and restaurant, mobile equipment, stock, inventory, office equipment, etc. Credits are available for safety protection including fire suppression, theft alarm and others devices.
AUTO COVERAGE – Delivery vehicles, Food Truck Vendors, Vendor Carts, Refrigeration Trucks with equipment, company owned personal auto – year, make, model, mileage, values, driving records are just some of the items that affect pricing.
WORKERS COMPENSATION – Restaurant workers, catering personal (temp and perm), delivery drivers, maitre d, security, etc… training programs, safety meetings, claims and payroll levels specifically impact annual cost.
Contact us to learn more.