General Liability
Provides protection from damages that arise out of your normal operations at or away from your business location. Also includes protection from damages caused by your products, services or work you have performed.
Commercial Property
Provides protection for your buildings, business personal property and property of others.
Workers Compensation
Covers work-related injuries to your employees.
Commercial Auto
Covers vehicles you own and use for your business.
Additional Coverages
Liquor Liability
Coverage for liability that may arise from accidents caused by patrons who were served alcohol at your restaurant.
Business Interruption
After a loss, it can take some time to get your business running smoothly again. This protection covers loss of income, costs for continued operation and extra expenses incurred during the time of rehabilitation.
Equipment Breakdown
Covers mechanical breakdown of equipment used in your business. Includes the cost to repair damaged equipment, spoiled goods and loss of income.
Spoilage
Covers perishable items in the event of a power outage or breakdown of refrigeration equipment.
Contamination
Coverage in the event of a food contamination incident. Covered costs include food replacement, expenses to clean equipment, medical and/or vaccination costs for employees, lost income associated with a shutdown of operations and advertising expenses incurred to restore your reputation.
Employee Dishonesty
Covers your business for employee theft of money, securities and other tangible property.
Employment Practices Liability (EPL)
Covers wrongful employment acts such as discrimination, harassment and wrongful termination. With this coverage, you gain access to a valuable employment practices website, as well as legal advice line, so you can connect with experienced attorneys who are well-versed in federal and state employment laws.
Cyber Liability
In the event of a cyber-attack, our cyber liability package offers the coverages and services you need to protect your business. The package includes a wide range of coverages such as data loss expenses, lost income, and personal identity recovery expenses.
Commercial Umbrella
Covers large liability losses that exceed the limits of the underlying general liability policy.
Inland Marine
Provides broader protection for your specific commercial property such as computers, machinery and equipment, tools and other items.
