- Additional Preferred Credits (not available with other Zurich agents)
- Non-Auditable
- No Co-insurance
- No Wind Deductible
- Workers Compensation Available (up to a 30% rate deviation)
- Public area square footage is the rating basis on each restaurant (not based on
revenue like most restaurant programs)
- Business Income – actual loss sustained 18 month / 72 hour buyback under preferred
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- Property Deductible – one deductible for building and contents coverage
- Spoilage Coverage to $100,000
- Back-up of Sewer and Drains
- Food-Borne Illness Coverage
- Contamination Shutdown
- Improvements & Betterments as Building vs. Contents Coverage
- Liquor Liability - Fine Dining - no limit on liquor sales
- Liquor Liability - Family Style - up to 40% of sales for liquor allowed
- Money & Security Coverage Available up to $100,000
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- Up to $50,000 Employment Practices Liability Insurance for quality risks
- Hired / Non-Owned (optional) Auto Liability excluding deductible
- Buffet Exposures can be considered eligible
- 24-Hour Operations with controls in place can be considered eligible
- Garagekeepers for valet services
- Mechanical breakdown
- Aggregate limits apply separately to each location (automatic)
- Franchise business our specialty!
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