This insurance is designed for businesses such as casual, family-style or fine-dining restaurants where sales are primarily from food instead of liquor, as well as for pizzerias, bakeries and coffee shops.
Some of the available coverages for restaurants/food service businesses:
Building & Business Personal Property
- Helps replace or repair your building and its contents if it is damaged by a covered loss.
Business Income and Extra Expense
- Covers you in the event your business has to close due to a covered loss. You will be reimbursed for your actual loss of income and the extra expenses you incur for up to one year
- Provides protection for damages relating to bodily injury and property damage that arise out of your business; and personal and advertising injury for example, if a competitor of your business complains that an act, advertisement, practice, or comment you or your staff has made has damaged their business.
- Covers damage to your computer equipment and the restoration of electronic data that is destroyed or corrupted by a covered loss.
- Covers dishonest or fraudulent acts committed by your employees.
Employment Practices Liability
- Protects you from claims made alleging injury to your employees due to work-related discrimination, negligent hiring or termination, or harassment.
- Provides coverage for spoilage and contamination of perishable stock caused by a power outage.
Optional coverages are also available to customize your policy to meet your unique needs.
- Provides comprehensive data security and privacy coverage that address both first-party losses and third-party liability claims, expert claims handling and breach response services in the event of a suspected breach, and a risk management website which provides information, guidelines and tools to help mitigate risk before a breach occurs.
Money saving discounts for:
- Multiple policies with Merchants Insurance Group
- Protective devices for fire or burglar alarms
- Automatic sprinkler systems
- Association Membership