Top Shelf Insurance for the Food and Beverage Industry
Establishments serving food and alcohol need a unique kind of protection for a number of reasons. Your expertise in the industry means that you know better than most the risks that come with serving alcohol. Sometimes, things don't always go as you plan and accidents do happen. When disaster does strike, your business's income, the livelihood of your employees, and even reputation are all at stake.
We've partnered with the top insurers of restaurants to help protect you from these risks and more. As Michigan restaurant insurance experts, we'll work with you to help you achieve your risk management goals. As your insurance pros, we learn about you, your team, and your business to maximize the value for your annual insurance expense.
Your tailored insurance solution includes:
Property Insurance
Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.
Specialized Property Insurance:
- Buildings, Business Personal Property, Tenant Improvements and Betterments
- Business Income & Extra Expense - Actual Loss Sustained
- Business Income due to off-premises utility interruption
- Employee Dishonesty
- Personal effects of customers
- Food spoilage - Covers a loss of perishable stock caused by temperature or humidity changes brought by certain mechanical breakdown or failure, contamination by refrigerants and power outages beyond your control
- Food contamination - Pays for equipment cleaning, food replacement, certain medical expenses, loss of income, and advertising expenses related to a government-mandated, contamination-related shutdown
- Equipment Breakdown - Covers physical damage to refrigerators, cash registers, POS systems, ovens, heat/AC units due to mechanical breakdown, short circuits, operator error, power surges and more
Liability Insurance
Casualty Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.
Policies provide coverage for liability arising out of:
- Premises and Operations
- Products/Completed Operations
- Personal and Advertising Injury
- Medical Payments
- Employment Practices Liability
- Non-owned auto for delivery
- Cyber Liability
We live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.
Contact us today at 800-686-8664 or ClientService@TOMIA247.com for more information about Commercial Insurance for your restaurant. Or fill out our online quote form.
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