As
a restaurant owner, you have unique insurance needs for
you, your investments and your customers. At Rubin
Insurance, we understand that. We have been successfully
insuring restaurants for more than two decades.
If a
fire or explosion damages your restaurant and you lose
refrigeration, would your policy pay for your lost
income, food spoilage and additional expenses? If your
restaurant had to be rebuilt to current building codes
after a partial or total loss, would your present policy
cover the increase? Many restaurant owners are not fully
aware of precisely what their insurance policy covers.
Sometimes not knowing can be very expensive. We've done
our homework and work hard to provide you with
information that enables you to make good decisions
about your restaurant coverages.
We
offer a multi-coverage package policy for family-style
and fine-dining restaurants that addresses your needs.
Because it's a package, the restaurant policy provides
you with property coverage, business liability and crime
coverage all-in-one with additional coverages available
if necessary. It avoids both dangerous coverage gaps and
costly coverage duplications. You receive broad benefits
at competitive prices with a choice of convenient
premium payment plans.
Property
Coverage Includes:
Building(s)
including:
•All
buildings and completed additions to the business
•Permanently installed fixtures, machinery &
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 •Outdoor furniture
Business
Personal Property including:
•Personal
property •Personal property of others •Improvements
and betterment
Accounts
Receivable
Valuable
Papers and Records
Transportation
Coverage
Seasonal
Automatic Increase
Outdoor
Trees, Shrubs and Plants
Newly
Acquired Business Personal Property
Consequential
Loss (Food Spoilage)
Replacement
Cost
Debris
Removal
Emergency
Removal
Damage
to Building(s) from theft, burglary or robbery
Loss
of Earnings
Outdoor
Signs
Building
Glass
Business Liability
Coverage
Business Liability
Coverage Includes:
Products and Completed
Operations
Personal Injury
Advertising Injury
Employer's
Non-Ownership
Broad Form Property
Damage
Contractual Liability
Employees as Additional
Insured's
Supplementary Payments
Fire Legal Liability
Medical Payments to
Others
Parking Area Liability
Optional Liability
Coverage:
Liquor Liability
Additional Insured
Comprehensive Crime
Coverage
Comprehensive Crime
Coverage Includes:
Broad Form Money and
Securities - Inside
Broad Form Money and
Securities - Outside
Depositor's Forgery
Optional
Crime Coverage
Employee Dishonesty
Additional Coverages
Fine Arts
Building Ordinance
Earthquake Coverage
Commercial Auto
Valet Parking
Umbrella Coverage
Equipment Breakdown
Workers' Compensation
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