Starters

A Risk Management Review of Your Operations and Exposures to Loss - Not sure how much you need? We would be glad to work with you to help determine your unique needs.

A Risk Management Review of Your Current Insurance Program - Feeling pangs of hunger? Not sure whether your current program is satisfying your needs?

Ala’ Carte Entrees

Workers Compensation and Employer’s Liability - A statutory required insurance that is based upon your payroll net of tips and payroll tax.

Building and Contents Insurance – The building, location and ambiance is perfect. The improvements and updates have been continuous. Be sure to fill your plate so that you can replace everything as is! Calculate the impact of Coinsurance under Take-out.

Business Interruption – Have you ever been forced to close because of an insured event? Be sure to insure for the loss of profits. Calculate your own needs under Take-out.

Crime - Cash, credit cards. We can cover it all!

Equipment Breakdown – Without the proper temperature, your produce, meats, fowl and seafood can spoil which in-turn can ruin your appetite and profits.

Commercial General Liability Insurance - People are coming and going. Business is great! Don’t let a slip or fall, some spilled soup or a broken tooth ruin your dinner.

Liquor Liability - Satisfy your own thirst for this very important entrée. Belly up to the bar and don’t forget the assault and battery feature. Get some TIPS!

Commercial Auto Insurance – Running off to the market last minute or delivering meals? Be sure to cover your meals on wheels.

Complete Dinner Entrees

Workers Compensation and Employer’s Liability

Served with your choice of…

Business Owners Policy – Ideal for those with a lighter exposure to loss as evidenced by revenue less that $1.5 million and with liquor receipts typically less than 30% of gross receipts. These are pre-packaged programs providing the client with building and contents, business interruption, equipment breakdown, crime, general liability and liquor liability insurance.

Commercial Package Policy – For those with a heartier exposure, these are customized packages that require a minimum of two insurance entrees other than Workers compensation.

All dinners are served with…

Side Enhancements - All Entrees are served with differing combinations of endorsements that include Property, Crime and Equipment Breakdown Coverage that are designed and specifically packaged for restaurants.

Special Sides

Caterer’s Errors and Omissions – Protect yourself from claims arising from your alleged failure to perform according to contract or expectation.

Employment Practices Liability - It is not all fun and games in a restaurant where employees and management work in such close proximity.

Flood – Waterside dining can be romantic as long as the water stays outside!

Directors and Officers Liability – Investors and shareholders alike want to see a smoothly operating restaurant. Protect your Board in case things turn sour.

Desserts

Umbrella Liability – Top off your liability program! You wouldn’t serve an Ice Cream Sunday without plenty of Toppings so don’t skimp here.