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Restaurant coverage
Today's restaurant environment is more complex than ever and you want to know you're covered for the unexpected occurrence. FIS Restaurant Package includes Business Liability, Property and Crime coverage's designed to meet your needs. Whether your restaurant is elegant, trendy, traditional, ethnic or home style we have the package for you. We specialize in providing insurance for the following types of restaurants: |
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Buffets |
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Delis |
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Cafes |
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Diners |
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Cafeterias |
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Drive-ins4 |
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Carry-out restaurants |
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Fast food |
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Coffee shops |
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Food bars |
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Fine dining restaurants |
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Family-style |
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Luncheonettes |
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Sandwich shops |
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Building(s) * including
All garages, storage buildings and completed additions to the business. Permanently installed fixtures, machinery and equipment. Materials and supplies for construction or repair of the building.Business personal property used for the maintenance and service of the building including:
» fire extinguishing equipment.
» floor coverings.
» drapes and appliances.
» Tenant improvements and betterments.
» Outdoor furniture.
* Available if you own the building or your lease agreement requires you to insure it.
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Business Personal Property
» Personal property.
» Personal property of others.
» Accounts receivable.
» Valuable papers and records.
» Seasonal automatic increase.
» Outdoor trees, shrubs and plants.
» Newly acquired business personal property.
» Consequential loss.
» Replacement cost.
» Debris removal.
» Food spoilage.
» Emergency removal.
» Damage to building(s) from theft, burglary or robbery.
» Off-premise personal property. |
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Optional Property coverage's
» Loss of earnings/business income.
» Outdoor signs.
» Building glass.
» Deductible buy-back on glass/sign coverage. |
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Business Liability coverage's
» Products and completed operations
» Personal and advertising injury
» Employer's non-ownership
» Broad form property damage
» Contractual liability
» Employees as names insured
» Supplementary payments
» Fire legal liability
» Medical payments to others
» Parking area liability |
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Optional Liability coverage's
» Liquor liability.
» Additional names insured.
» Employment practices liability.
» Employee benefits liability.
» Employers liability (stopgap). |
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Comprehensive Crime coverage's
» Broad form money and securities - inside.
» Broad form money and securities - outside.
» Depositor's forgery.
» Employee medical payments coverage (due to crime). |
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Optional Crime coverage
» Employee dishonesty. |
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Optional Auto coverage's
» Hired, non-hired auto coverage.
» Owned auto.
» Garage-keepers, valet (except Va. ) |
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Additional coverage's
» Food-born illness - business income.
» Fine arts.
» Building ordinance.
» Contamination shut down.
» Earthquake coverage (in states where available).
» Earthquake sprinkler leakage.
» Umbrella coverage.
» Equipment breakdown.
» Workers' Compensation (required if there are any employees on staff).
» Back-up of sewers and drains.
The statements of coverage shown here are brief summaries and do not show policy exclusions. The policy should be read for your actual coverage's and exclusions. |
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