Resturant Insurance
Restaurant Insurance - Loss of Use or Business Income

The Loss of Use or Business Income coverage on your Restaurant Insurance Policy will protect your revenue stream in the event of a loss or damage to your establishment. If your Restaurant suffers from a fire, water damage, collapse or any other insurable loss and you are forced to close your doors, you may be left with out a revenue stream or income source. Business Income coverage can provide coverage for your lost revenue while your establishment is being repaired or even rebuilt. If you own the building and have tenants, it will cover the loss of rent you are not collecting during rehabilitation. Tavern Insurance Restaurant Insurance - Liability Insurance Coverage

The Liability Insurance aspect of your Restaurant Insurance Policy is designed to insure the business against losses even if they are negligent or liable for damage, injury or loss to another's property, reputation, or health. Typically, damages, legal defense fees and settlement charges are paid by the insuring company when a claim is filed against the business.

Bodily Injury Liability

Liability coverage may pay the affected person or firm for the cost of care, the loss of services and restitution for death that results from an injury. 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 value of the physical damage to the property; or the loss of use of that property.

Products and Completed Operations

A policy may provide coverage for your company's completed products or services. If an injury occurs due to the use of your products or services provided, the policy would pay for the resulting damages and any legal expenses up to the policy limits. Contractual Liability

General Liability coverage extends to any liability you may assume by entering into a variety of different types of contracts such as a building lease. Restaurant Insurance Liquor Liability

If you're not in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages, the policy may protect you in case someone claims you are legally liable for a liquor-related accident.

Personal Injury

Most General Liability policies provide coverage if you are accused of:
  • Publishing inaccurate information that slanders or libels a person or organization;
  • Publishing material that violates a person's right of privacy;
  • Falsely arresting, detaining or imprisoning someone;
  • Maliciously prosecuting someone;
  • Wrongfully evicting someone.

Advertising Injury

In the course of advertising your company's own goods, products or services, this policy will provide valuable liability protection against advertising injuries resulting from:
  • Publishing inaccurate information that slanders or libels a person or organization;
  • Publishing material that violates a person's right of privacy;
  • Copying some other company's advertising ideas or style of doing business;
  • Infringing on another company's copyright, title or slogan.