• homePageRotator2
  • Criminal Justice Program
  • ActiveAssailantInsurance
  • UndergroundStorageTanks
  • ParksmartValetInsurance
  • travel to Cuba Insurance
  • MunicipalitiesInsuranceHome
  • Alarm Contractor Insurance
  • cyber threat2
  • non profit insurance
  • Oil gas contractor insurance
  • Church-Insurance
  • Apartment-Building
  • Contractor-Liability
  • Grocery-Store
  • Security 2

Restaurant Insurance

restaurant-ownerRestaurant owners have unique needs when it comes to insurance. W.A. George will cater a custom insurance program that serves the needs of restaurant, diners, family restaurants, franchise owners, coffee shops, ice cream parlors, cafés and caterers.

W. A. George provides insurance for Restaurant owners and policy features that restaurant owners need:

  • Loss of Income Insurance
  • Worker’s Comp Insurance
  • Property Coverage
  • Valuable Papers Coverage
  • General Liability Insurance

Contact W.A. George for full details on the policy coverage. 

Restaurant Package Policy Details

Types of Coverage & Limit per Occurrence
• Broad form general liability………………………………………………..... $2,000,000
• Building glass covered without sublimit……………………………………..Included
• Newly acquired buildings……………………………………………………...$500,000
• Newly acquired personal property……………………………………………$100,000
• Ordinance or law (FC only)……………………………………………………$50,000
-Tenants improvements and betterments included
• Water damage backup of interior sewers/drains……………………...........$25,000
• Debris removal additional coverage………………………………................$25,000
• Personal property off premises…………………………………….......……..$25,000
• Personal effects…………………………………………………………..…….$10,000
• Electronic data……………………………………………………………....….$100,000
• Data breach advisory services
• Off-premises sign coverage……………………………………………………$5,000
- Loss of business income (covered causes of loss)………………………....12 months
- Loss due to action by civil authority……………………………….……………4 weeks
- Loss due to contamination (or contamination threat)………….….………….3 weeks
- Loss due to dependent properties………………………………….…………..3 weeks
- Loss due to violent acts………………………………………………....……….3 weeks

  • Loss due to service interruption
  • No distance limitation
  • All covered causes of loss, including equipment breakdown
  • Transmission lines are included

• Extended business interruption : recovery period………………………………60 days
• Customer expense reimbursement……………………………………………….2 weeks
• Equipment breakdown:
-Data restoration……………………………………………………………….......$100,000

Types of Coverages & Limit per Occurrence
• Outdoor property…………………………………………………………….......$20,000
• Spoilage…………………………………………………………………….........$100,00
• Food Contamination………………………………………………………….....$25,000
• Pollution cleanup……………………………………………………………......$50,000
• Watercraft…………………………………………………………………..........$5,000
• Crime…………………………………………………………………….............$10,000

  • Money and securities
  • Counterfeit currency
  • Forgery and alteration
  • Extortion
  • Funds transfer fraud
  • Computer fraud

• Employee dishonesty……………………………………………………….....$50,000
• Employee Practices Liability Insurance (EPLI)…………………………......$5,000
• Special events-business personal property………………………………....$10,000
• Guest property……………………………………………………………........$15,000
• Accounts receivable……………………………………………………….......$30,000
• Valuable papers……………………………………………………………......$30,000
• Fine arts…………………………………………………………………...........$25,000

  • Sponsored athletic events-general liability
  • Special events-general liability
  • No athletic participation liability exclusion
  • Franchise Endorsement

If your business is a franchise, you may want to purchase our Franchise Endorsement to get the following
coverages.

Types of Coverage & Limit per Occurrence
Increased cost to repair due to 
▪ franchise agreement……………………………………………………….................$50,000
Business income and extra expense due to a contamination loss
at another franchise location……………………………………………….................3 weeks
▪ Grantor of franchise listed as an additional insured at no charge.

 

Financial Insurance