Contact Us
Call Us Today

Restaurant, Bar & Taverns Mobile Food Trucks Insurance

 Restaurant, Bar & Taverns Mobile Food Trucks Insurance

 

 

BUSINESS INSURANCE ? Including Mobile Food Trucks

RESTAURANT

Coverage Summary

Property and Crime Coverage

Limits/Availability - Primary

Limits/Availability - Premier

Building‡

Limit Requested

Limit Requested

Business Personal Property (BPP)‡

Limit Requested

Limit Requested

Building Valuation

Replacement Cost*

Replacement Cost*

Accounts Receivables - Off Premises

$2,500

$25,000

Accounts Receivables - On Premises

$5,000*

$25,000*

Alcoholic Beverage Products Contamination (Brew Pubs Only)

$2,500

$25,000

Alcoholic Beverage Products Leakage (Brew Pubs Only)

$2,500

$25,000

Back Up of Sewers or Drains

Optional

$5,000*

Blanket Building Coverage Limit

Optional

Optional

Blanket Business Personal Property Coverage Limit

Optional

Included

BPP Seasonal Increase

25%

25%

Brands and Labels

Not Applicable

Included in Business Personal Property Limit

Building - Automatic Increase Amount

8%

8%

Building - Tenant Obligation

$10,000

$10,000

Building Ordinance or Law - 1 (Undamaged Part)

Optional

Included

Building Ordinance or Law - 2 (Demolition Cost)

Optional

$10,000*

Building Ordinance or Law - 3 (Increased Cost)

$5,000*

$25,000*

Business Income (BI) and Extra Expense (EE)

18 Months (12 in Texas) - Actual Loss Sustained (72-Hour Waiting Period)

18 Months (12 in Texas) - Actual Loss Sustained (0-Hour Waiting Period)

Business Income - Franchisor Royalties

Included

Included

Business Income - Off Premises Event Cancellation

Not Applicable

$10,000

Business Income - Tips Included

Included

Included

Business Income and Extra Expense - Boil-Water Order

Not Applicable

$10,000 (24-Hour Waiting Period)

Business Income and Extra Expense - Civil Authority

3 Weeks (72-Hour Waiting Period)

3 Weeks (24-Hour Waiting Period)

Business Income from Dependent Properties

Optional (72-Hour Waiting Period)

Optional (72-Hour Waiting Period)

Claims Expense

$1,000

$10,000

Computer Fraud and Funds Transfer Fraud

Not Applicable

$10,000

Credit Card Forgery

Not Applicable

$5,000

Credit Card Slip Theft Disappearance and Destruction

Not Applicable

$5,000

Crime Conviction Reward

$5,000

$10,000

Customers' Property

$2,500 / $1,000 per item

$10,000 / $1,000 per item

Debris Removal

25% of Loss + $10,000

25% of Loss + $10,000

Earthquake

Optional**

Optional**

Earthquake Sprinkler Leakage

Optional**

Optional**

Electronic Data Processing Equipment (EDP)

Optional

$10,000*

 

Electronic Data Processing Media and Records

Optional

25%* of EDP Limit

Employee Dishonesty

$1,000*

$10,000*

Employee Dishonesty - Customer Loss

Not Applicable

$5,000

Equipment Breakdown

Optional

Included

Equipment Breakdown – Ammonia Contamination

Optional

$25,000

Equipment Breakdown – Drying Out Coverage

Optional

$25,000

Equipment Breakdown – Expediting Expenses

Optional

$25,000

Equipment Breakdown – Hazardous Substances

Optional

$25,000

Equipment Breakdown – Water Damage

Optional

$25,000

Extended Business Income

30 Days

60 Days

Exterior Building Glass

Included

Included

Fine Arts

Optional

Optional

Fire Department Service Charge

$1,000

$10,000

Fire Extinguisher Systems Recharge Expense

$2,500

$10,000

Food Borne Illness BI and EE

Not Applicable

Optional

Food Contamination Shutdown - Business Income

Optional

$10,000*

Food Contamination Shutdown - Expense

Optional

$10,000*

Forgery and Alteration

$2,500

$10,000

Lock Replacement

Not Applicable

$2,500

Limited Coverage - Fungi, Wet Rot, Dry Rot and Bacteria

$15,000

$15,000

Mine Subsidence

Optional**

Optional**

Money and Securities - Inside Premises

$2,500*

$5,000*

Money and Securities - Outside Premises

$2,500*

$5,000*

Money Orders and Counterfeit Paper Currency

$1,000

$10,000

Newly Acquired or Constructed Buildings

$250,000

$500,000

Ordinance or Law - Equipment

Not Applicable

$10,000

Outdoor Property - Antennas and Satellite Dishes

$2,500

$5,000

Outdoor Property - Fences and Walls

Optional

$5,000*

Outdoor Property - Trees, Shrubs and Plants

$2,500* / $500 per item

$5,000* / $1,000 per item

Outdoor Signs

Optional

$10,000*

Personal Effects

$2,500

$10,000 / $2,500 per individual

Personal Property at Newly Acquired Premises

$100,000

$250,000

Personal Property Off Premises

$5,000*

$10,000*

Pollutant Clean Up and Removal Aggregate

$10,000

$10,000

Premises Boundary

1,000 Feet

1,000 Feet

Preservation of Property

60 Days

60 Days

Spoilage

$2,500*

$25,000*

Tenant’s Exterior Building Glass

Optional

Optional

Tenant’s Improvements and Betterments

Optional

Optional

Unauthorized Business Card Use

Not Applicable

$5,000

Utility Services - Time Element

Optional

$10,000*

Valuable Paper and Records - Off Premises

$2,500

$2,500

Valuable Paper and Records - On Premises

$5,000*

$25,000*

Wine Collection

Not Applicable

$10,000* / $2,500 per item

 

Liability Coverage

Limits/Availability

Each Occurrence

$1,000,000* 2,000,000,4,000,000

Personal and Advertising Injury

Included within Occurrence Limit

Products and Completed Operations Aggregate

2 x occurrence limit

General Aggregate (Other than Products and Completed Operations)

2 x occurrence limit

Tenants Liability (Each Occurrence)

$75,000* Primary / $250,000* Premier

Medical Expense (Each Person)

$5,000*

Per Location General Aggregate Limit

Included

Optional Liability Coverage

Cyber Liability and Data Breach Expense (Claims Made)

Optional**

Employee Benefits Liability

Optional

Employer’s Liability (Stop Gap)

Optional**

Employment Practices Liability (Claims Made)

Optional**

Garagekeepers

Optional

Hired Auto Liability (Including or Excluding Delivery)

Optional

Liquor Liability

Optional

Limited Coverage for Assault or Battery (Each Occurrence)

Optional

Non-Owned Auto Liability (Including or Excluding Delivery)

Optional

Serving, Salt Lake City, Park City, Ogden, Provo, Orem, Logan. All of Utah.

 

Ready to Request a Free Quote? GET STARTED TODAY