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This product is featured in our
businessowners program. Click here to view Businessowners
Package eligible classes.
This comprehensive package is designed to meet
the coverage needs for owners of Fast Food Restaurants including take-out
restaurants, restaurants with up to 75 seats - no waitress service and drive-in
restaurants.
Product Features
 | Businessowners Policy form
| General Liability that expands the definition
of Bodily Injury to include mental anguish or emotional distress with no
deductible
| Non-owned and Hired Car coverage (without
delivery)
| Loss of income on actual loss sustained basis
up to the stated limit
| No coinsurance clause; no classification
limitation or designated premises endorsement
| Personal Property of others up to contents
limit
| Peak season coverage
| $5,000 transit
| Replacement cost available
| Special cause of loss available
| Equipment breakdown coverage available
| Value Plus Endorsement – 13 valuable
coverage enhancements; including water backup, money & securities,
employee dishonesty, valuable papers, signs, accounts receivable and more |
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Optional Coverage
| Liquor Liability coverage available (Liquor
receipts up to 25% of total receipts)
| Loss of income - 12 month actual loss
sustained up to $400,000 limit
| Non-owned & Hired Auto - No delivery
service
| Money & Securities
| Signs
| Glass
| Equipment Breakdown (Including $25,000 food
spoilage) |
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Limits Available
| Property total insurance values
 | $600,000 per location - protection class
1-8
| $200,000 per location - protection class
9-10 |
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| Commercial General Liability coverage form
| Liability and medical expenses: options
of $300,000, $500,000, and $1,000,000
| Personal injury and advertising injury is
included in the liability and medical expenses limit
| Medical expenses: $5,000
| Product / Completed Operations Hazard
aggregate: Identical to the liability and medical expenses limit, above |
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| General Aggregate: Two times the liability
and medical expenses occurrence limit
| Value Plus Endorsement (13 Coverage
enhancements free of charge if risk is in our "Hit Zone") |
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Additional Advantages
| A.M. Best Rated A++ Carrier
| Quick turnaround time on submissions
| Superior policy issuance |
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[ Up ] [ 1-4 Family Dwellings ] [ Apartments ] [ Bar & Tavern ] [ Beauty, Barber & Nail ] [ Child Care ] [ Clothing Stores ] [ Conv./Deli/Grocery ] [ Electronic Store ] [ Fast Food Restaurants ] [ Fitness Center ] [ Mainstreet ] [ Premises Preferred ] [ Restaurants ] [ Speciality Schools ] [ Vacant Building ]
Click
here to view all eligible classes for the Business Owners Package
program
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