Helping You Find the Right Restaurant Insurance Coverage

Restaurant insurance products are competitive. While pricing is a major factor in determining which carrier to choose, proper coverage and limits are just as important. Our restaurant enhancements offer a wide range of coverage and limits that protect your business if disaster strikes. We can offer workers’ compensation coverage through a wide range of carriers and include upfront discounts of up to 15% in addition to dividends.

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What Are Restaurant Insurance Enhancements?
Enhancements are policy endorsements that provide additional coverage to the insured. They might protect more adequately, expand coverage, or increase limits. Enhancements allow for customization and provide better protection for your type of business.

See our enhancements offered through the following carriers:

• Arbella
• Holyoke Mutual
• Magna Carta
• Penn Millers
• Travelers

Restaurant Insurance Coverage You Should Consider:

1. Insuring to Value
   Your contents insurance limits are often much lower than your true replacement cost, and in case of a large claim, you will suffer the co-insurance penalties.
2. Business Income
   Can be obtained for any duration up to actual loss sustained for 12 months. We recommend the 12 months.
3. Boiler/Machinery Coverage
   Often is not part of the package policy. We highly recommend it.
4. Umbrella Coverage
   Excess Liability — additional liability limits can be purchased in the form of an umbrella.
5. Hired Non-owned Auto Liability
   Coverage for this exposure is recommended, especially if your business offers delivery.
6. Employee Dishonesty
7. Backup of Sewer & Drains
   Damage caused to your property due to backup. Often, this coverage is left out.
8. Ordinance or Law
9. Flood & Earthquake

Restaurant Insurance Coverage: Suggestions & Recommendations

1. Check Your Lease
   Be sure who is responsible for cost of improvements and betterments — you or your landlord. Most restaurant leases are very clear that the cost of improvements and betterments in case of a claim is recovered by the tenant's insurance policy. If this is the case, include this cost in your contents coverage.
2. Obtain Certificates of Insurance
   Obtain certificates (GL & Workers’ Comp) from all vendors and contractors with whom you do business.
3. Train Manager and Staff
   Train restaurant employees to document any incidents by time, date, description, and witnesses' names and addresses. A liability suit can be brought against your business for an incident that occurred up to three years ago. Having good records of the incident will certainly be helpful to your insurance carrier in defending you.

Serving restaurant owners with just the right combination of insurance "ingredients" has always been our specialty at Dadgar Insurance Agency.

Our access to a wide range of insurance companies allows us to offer you greater pricing flexibility and unique coverage. Let us "cook up" the perfect recipe for your business' tastes and needs.

Our restaurant insurance coverage menu includes:

• All Risk Coverage for the building
• All Risk Coverage for contents
• Commercial General Liability
• Liquor Liability
• Worker's Compensation (dividends program)
• Glass
• Sign
• Food Spoilage
• Loss of Income
• Business Interruption
• Crime/Robbery (inside and outside premises)
• Boiler and Machinery
• Commercial Vehicles

Choose the restaurant insurance coverage that best satisfies your "cravings." Contact us for more information.

 

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