By DurAmerica Brokerage Inc

05/17/2011 Restaurant Insurance | Restaurant Insurance Policy | Liquor Liability InsuranceRestaurant Insurance Bar Insurance Club Insurance Nightclub Insurance Lounge Insurance Tavern Insurance Catering Insurance Restaurant Insurance - NY Restaurant Insurance - NJ Restaurant Insurance - Deli Insurance - New York Restaurant Insurance - New Jersey Restaurant Insurance - Bar Insurance - New York Bar Insurance - Liquor Liability - Liquor Liability Insurance
A Restaurant Insurance Policy is a very important part in making sure that your business stays open and successful. Hundreds of Restaurant Owners realize how important these policies are and have trusted DurAmerica Brokerage to represent them. The type of policy you purchase and the insurance company you purchase it from are important decisions when looking to buy or switch insurance companies. Our agency offers dozens of insurance companies with some of the best prices in the industry.
Restaurant Insurance - Liability Insurance Coverage The Liability part of your restaurant insurance policy is the part that will pay whether you were negligent or not for injuries by third parties on your premises. These injuries can be because of a slip & fall or because of a hot cup of coffee. It will pay for the injuries along with the defense costs associated with the claim.
Bodily Injury Liability Liability coverage may pay the claimant if they were injured in a slip & fall incident in your restaurant.
Property Damage Liability In the event your business causes damage to, or causes the loss of use of someone else's property, property damage coverage may pay for the damages caused the incident and defend your business in the claim.
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Products and Completed Operations Specifically for a restaurant, your product is your livelihood, your product is your food. Products and completed operations coverage would cover any claims of food contamination or food poisoning. It would pay for the legal and defense costs associated with a claim like this and pay for any damages awarded to claimant.
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Liquor Liability Coverage If your restaurant, bar, club or lounge serves alcohol, you may have an exposure to a liquor liability claim. This claim would be brought about by a customer who causes damage or bodily injury to another person because of excessive use of alcohol on your premises. If your staff did not stop a patron from drinking and the customer leaves your premises you may be held accountable for injuries that they cause. This type of coverage is necessary and imperative for businesses you mainly deal with alcohol sales. If you currently have this type of business and do not have this coverage, it is important for you to contact us as soon as possible to properly secure your business.
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Hired Auto & Non-Owned Auto Hired Auto & Non-Owned Auto coverage is an additional endorsement that can be added to your policy. It is important for businesses that use other peoples or other companies vehicles for their own use.
Hired Auto is when you and your businesses use the services of rental car agencies or taxi and limousine companies.
Non-Owned Auto coverage is when your employee uses their own vehicle for business purposes like to make deliveries. If an accident was to occur during a delivery your business may be held liability for the damages.
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Medical Payments Medical payments coverage would pay for medical bills up to a specified amount as a measure of goodwill in order to avoid a lawsuit. If someone was slightly injured in your business and needed medical attention, this coverage will pay for the medical bills.
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Personal Injury Most Restaurant Liability Policies provide coverage if you are accused of:
Slander or libel of a person or company
Violating a person's right of privacy
False arrest and prosecution
Wrongfully evicting someone
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Advertising Injury If you place advertisements for your business you may be open to an advertising injury claim. Advertising injury coverage provides protection against the possible claims listed below
Placing advertisements that slander or libel another businesses
Naming you competition by name and making false accusations
Use of others copyrighted materials Restaurant Insurance
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Property Insurance Coverage
Property insurance coverage is one of the most important parts of a business policy. It protects the building that you occupy along with all of your contents and inventory against numerous possible things that can occur.
Some of these possible occurrences are fire, lighting, flood, wind, hail, sleet, snow, pipes bursting, explosions, collapses and many other perils. The type of policy you have or looking to purchase will determine which of these perils will be covered. Insurance companies use three different forms when writing insurance policies which determine what is covered. They use a basic form, a broad form and a special form. If you are unsure what you currently have or would like an explanation of these forms, please contact one of our insurance professionals today.
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Restaurant Insurance - Loss of Use & Business Income In the event of a covered peril or claim like fire, collapse, flood etc..your business is going to lose income during the time that you are not in business. The loss of use & business income coverage will provide protection for your income during this time. In the event of a claim like this your business may be out of business for many months and this coverage will maintain and pay your various bills and rent until you are up and running again.
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As you can see it is our mission to educate our customers. That is why thousands of clients like yourself have chosen DurAmerica Brokerage Inc as their agency of choice. Give us a call today to find out what we can do for you, our low cost policies provide superior coverage at a price you can afford. Click here for a free no obligation quote!