Diner, Restaurant, and Catering insurance specialists
diner, restaurant, and catering insurance program
Why Does My Restaurant Need A Business Owners Policy?
A business owner’s policy (BOP) is a special type of commercial insurance designed for small and medium-sized businesses. By bundling general liability insurance and property insurance into a single policy, BOPs typically offer a reduced premium, often making them a more cost-effective option than separately purchased policies
Business Insurance For Catering
General liability will protect you if someone wants to sue you for causing them bodily harm or damaging their property.
Property insurance will protect the banquet hall itself from disasters like fire and lighting.
Business interruption insurance will help your business come back from a loss that forces you to temporarily close your doors.
Workers’ compensation will give your employees benefits in the form of medical payments and reimbursement for part of their lost wages if they get hurt or ill because of their job
Business Insurance For Diners & Restaurants
When unforeseen circumstances occur, Commercial Property Insurance can pay for business property that is stolen, damaged, or destroyed. All policies can be customized to your unique business needs, however a typical policy will include:
The restaurant. This is typically the structure, but can include permanently installed fixtures, machinery, and equipment.
Contents of the restaurant. The items that are inside the building, such as inventory, equipment, and supplies.
Customer Property. This category includes items that are left in your care, custody, or control.
Customizing A Business Owners Policy For A Restaurant
A BOP policy is much more than just Liability and Property insurance, essential coverages that can be added to a business owners policy include:
Employment Practices Liability (EPLI)