Every recipe needs the perfect mix of ingredients – and every restaurant needs the perfect mix of insurance coverage.
We will work with you to further customize your policy by increasing limits or adding coverages such as:
Worker’s Compensation -
Example could be someone suffers an injury at the work place. This could happen by serving food, taking out trash, or even preparing the food.
This is where the base liability would be enough to cover a claim. The Umbrella would extend just the liability amount to a greater limit.
Business Income – Actual Loss Sustained
So the the pipe broken over night. The water leaked on the restaurant floor. This is where people are going to be eating and now you can't do that.
You will have lost serving people food in that room. This causes you lost of money for the day. What is the total loss then?
Many restaurants have windows. We see out of them to enjoy the scenery out from your table. They are also used for people to see in at what a great establishment to eat at.
So this would great if damage came to them that they could be paid to replace too.
You put your name on it. You also have your phone number with hours of operation on it. So this is an important items for insurance to cover as well.
It's usually not in the build so things can happen to them too.
Inland Marine Coverages
Another great thing is we can use the square footage to price the insurance too. Say you have smaller footprint of a business it won't change your rate as much as sales would.
Badger Mutual insurance is based right here in Wisconsin so they will know about what types of claims can happen and how they should tell you about covering ahead of the claim too.