You’ve worked hard to make your restaurant a success. You deserve the best coverages available. Our programs are custom tailored to your special needs and budget. We have the experience to give you the coverage that you need, at a price that you can afford.

Businessowners coverages available include:

• Broad form general liability

Medical expense includes preventive inoculations for food-borne illnesses

Aggregate limit, including products-completed operations, is twice the occurrence limit

Aggregate limit applies separately to each location

• Building glass covered without limit
• Newly acquired property
• Ordinance or law
• Personal property off premises
• Water damage backup of sewers and drains
• Debris removal additional coverage
• Pollution cleanup
• Outdoor property (signs, fences, antennas)
• Personal effects
• Valuable papers
• Accounts receivable
• Off-premises sign coverage
• Loss of income
• Action by civil authority loss of income
• Dependent properties loss of income
• Action by public health authority (food contamination)
• Customer expense reimbursement
• No coinsurance penalty
• Fire extinguishing equipment recharge
• Other Businessowners features:

No 60-day ordinary payroll limitation for loss of income

No 72-hour "deductible" applying to loss of income

No 80 percent clause applying to replacement cost coverage

• Refrigerated products
• Food contamination
• Computer coverage
• Watercraft
• Crime
• Special events—business personal property
• Guest property
• Accounts receivable
• Valuable papers
• Fine arts
• Sponsored athletic events—general liability
• Special events—general liability
• Off-premises power failure—time element
• No athletic participation liability exclusion