Recommended Minimum Coverage:

• General Liability to insure against third party negligence claims.
• Liquor Legal Liability if you are serving alcohol.
• Off Premises Power Failure to insure against loss of income due to a loss in power from your local utility provider.
• Spoilage to insure perishable inventory in refrigeration units.
• Property to insure buildings, office equipment, stock, loss of income, and inventory.
• EDP to insure your computer hardware and software equipment.
• Crime Extended Loss of Income Coverage - most forms of business income coverage pay you the lost income for the period the business was closed. In some cases it may take your customers extra time to find out you have once again opened your doors. Consequently your income after re-opening is less than normal. By purchasing this endorsement you can buy coverage to pay the difference in income for a short amount of time, usually 3-6 months. Very necessary for restaurants.