Restaurant Insurance

Insure Your Restaurant's Future with Tailored Insurance Coverage

W.E. Davis offers specialized coverage designed just for restaurant owners. It includes many important features that more general policies overlook. We can provide coverage for more traditional restaurants, but also food carts, catering, bakeries, donut shops and other food service businesses.

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Restaurant Insurance
Restaurant Insurance

Customize Your Restaurant Insurance Program with Our Many Options

Coverage Includes:
  • Food Contamination Shutdown Coverage up to $50,000.
  • Up to $5,000 additional for clean up and related costs.
  • We provide $5,000 (or more) for spoilage coverage to protect your inventory in case of a power outage.
  • Incidental Medical Malpractice coverage protects you for rendering first aid to a patron needing help.
Optional Coverage:
  • Liquor Liability Coverage
  • Off Premises Power Failure with just a 24 hour deductible
  • Coverage can be written on a non-auditable basis. That means we won’t check your receipts after the policy period in order to collect an additional premium.
Equipment Breakdown Coverage:

Equipment Breakdown Coverage protects the heart of your business – Your equipment, machinery and systems. While most insurers charge extra for this important coverage, we include it automatically.

Our Equipment Breakdown Coverage pays for damage to property and loss of business income caused by power Surges, mechanical breakdown, electrical short circuits, steam explosions and other equipment failures. If you are a tenant, this includes failures of your landlord’s equipment that cause you a loss. And we include $50,000 coverage for spoilage of perishable goods caused by an equipment breakdown loss.

Equipment Breakdown Coverage applies to a very broad range of equipment including:

  1. Electrical Distribution Systems
  2. Air Conditioning and Refrigeration
  3. Heating and Hot Water Boilers
  4. Air Tanks and Pressure Vessels
  5. Production and Mechanical Equipment
  6. Telecommunication Systems
Our Restaurant Property Coverage includes:
  1. Loss of Business Income and Extra Expense: Actual loss sustained, twelve months from date of loss, no coinsurance or participation, no dollar limitation. Coverage is extended for up to 30 days to include loss of business income from dependent properties. Ordinary payroll is covered up to 60 days.
  2. Automatic increase in building limit of insurance: 4% or higher per year
  3. Preservation of Property (Removal): 60 days Personal Property of Others is covered as part of Your Business
  4. Personal Property covered without regard to the policyholder’s legal liability.
  5. Your Business Personal Property is covered at newly acquired locations for up to $250,000 for up to 90 days. Seasonal increases in Your Business Personal Property are covered for an additional amount up to 25% of the limit for Your Business Personal Property.
  6. Fire Department Service Charge: $10,000
  7. Off Premises Power Failure (utility service): $25,000
  8. Fine Arts: $5,000 or up to $25,000 maximum
  9. Computer Equipment: $5,000
  10. Interior Glass: $5,000
  11. Collapse
  12. Fire Extinguisher Recharge Expense (including automatic extinguishing systems): $2,500
  13. Reward: up to $5,000 for each covered arson or theft loss
  14. Credit Card Slips: $5,000
  15. Accounts Receivable: $15,000
  16. Valuable Papers: $15,000
  17. Money Order and Counterfeit Paper Currency: $5,000
  18. Property Off Premises: $10,000 including while at Fairs or Exhibitions
  19. Outdoor Antennas including satellite dishes: $2,500 each
  20. Loss Adjustment Expense: $1,000
  21. Lock Replacement: $500 to replace or rekey locks if building keys are stolen
  22. Back up of sewers or drains: $10,000
  23. Building Ordinance or Law: $50,000
  24. Outdoor Signs: $10,000 per sign
  25. Money and Securities: $5,000 on premises/$2,000 off premises. Higher limits are available:
The following options help you customize your insurance program:
  1. Actual Cash Value – Building
  2. Interior Glass
  3. Employee Dishonesty, including Forgery and Alteration. Available limits from $5,000 to $200,000.
  4. ERISA. Limits are available up to $250,000.
  5. Earthquake
Business Liability and Medical Expenses Coverage
  1. Provided on an occurrence basis for your business operations.
  2. Blanket Additional Insureds (Owners, Contractors or Lessors): Entities with whom the policyholder has written agreement for rental or lease of premises or for whom the policyholder will perform work are included as insureds for liability coverage.
  3. Premises/Operations Liability
  4. Products and Completed Operations Liability
  5. Employees as Additional Insureds
  6. Spouses of Individuals or Partners as Insureds Personal Injury Liability, including coverage for loss due to abuse of process.
  7. Advertising Injury Liability, including coverage for televised or videotaped material.
  8. Limited Pollution Liability Coverage
  9. Non-Owned Watercraft Liability (up to 51 feet)
  10. Limited Worldwide Products Coverage
  11. Tenants Fire Liability, with an option to broaden to Tenants Liability
  12. Extended Bodily Injury Liability
  13. Mental Anguish is covered as part of bodily injury Medical Expenses Coverage
  14. Supplemental Payments, including an increase to $1,000 for the cost of Bail Bonds

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Our Recreational Vehicle Insurance Coverage Options

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Reach out to our team at W.E. Davis to learn more about Restaurant Insurance.

Frequently Asked Questions

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About W.E. Davis Insurance Agency

Family Owned and Operated Since 1938.

A Family team that will make a difference in how you see insurance. Let our years of experience, knowledge and hard work ethic play in the role of choosing the right protection for your home, auto, business,

W.E. Davis Insurance Group Team
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