Hotel Motel

Restaurant Package Insurance.

The restaurant industry is unique. That’s why we have important coverages for spoilage, food contamination shutdown and fire suppression to meet your insured’s needs. Combine this specialized coverage with other package coverages and your insured is protected with the best value available.

COVERAGE HIGHLIGHTS:

PROPERTY INSURANCE

• Blanket Coverage

Get the protection of a blanket coverage limit that can include both physical property coverages (i.e., building and personal property) and business income coverage. This gives your insured the added security of a single limit of insurance for a covered loss, which is great for multiple locations.

• Fire Suppression System Recharge

If the fire suppression system for your cooking surfaces and exhaust ductwork is discharged to put out a fire our program provides $2,500 to recharge it. And there’s no deductible.

• Spoilage of Perishable Stock

Provides $25,000* of coverage per building for spoilage of perishable stock.

• Food Contamination Shutdown

$50,000 of coverage for loss of business income if the Health Department or another agency closes insured down due to food poisoning or suspected food poisoning. $5,000 Extra Expense coverage is also included.

• Utility Services

Provides up to $25,000* for direct damage to the property due to power interruption.

• Backup of Sewers and Drains

Covers building and property against damage from the backup of sewers, drains or sumps. Newly Acquired or Constructed Property Automatically provides up to $1,000,000* for building coverage and $500,000* for business personal property for up to 90 days.

INLAND MARINE INSURANCE

• Fine Arts
• Electronic Data Processing Equipment
• Accounts Receivable

CRIME INSURANCE

• Money and Securities

Safeco provides up to $10,000* for loss from theft, disappearance or destruction to money and securities on premises, and $5,000* off premises.
Higher limits may be purchased.

LIABILITY INSURANCE

• Tenants Property Damage Liability
• Unintentional Failure to Disclose Hazards
• Extended Coverage for Newly Acquired Organizations

Optional Coverages:

• Business Income Protection
• Employee Dishonesty
• Equipment Breakdown

Other products and services available

BUSINESS AUTOMOBILE INSURANCE

Whether your insured have no scheduled autos, a single auto or a full fleet, we have an auto policy to protect your insured’s business.

CATASTROPHE INSURANCE

Are your liability limits high enough?

Liability judgments in the United States keep increasing. This may require your insured to buy higher limits of insurance than their primary policy provides. We can help you with a full line of umbrella and excess liability options to protect your insured.