NYRestaurantPak.com

Restaurant Pak: What's Included?

The following specialty coverages are included in the Restaurant Pak program. Select a coverage to expand its corresponding description. (Click coverages for more information.)

Liability Coverage

• Unfortunately, lawsuits are widely used against many kinds of businesses, including restaurants. Slips and falls, food poisoning, bad acts by an employee, charges of libel or slander, a customer’s deadly allergic reaction to an ingredient you didn’t list on the menu are all acts that can result in litigation against your establishment. Luckily, we provide you with hefty liability insurance protection as part of your Restaurant Pak policy.

Food Contamination

• What do e-coli and hepatitis have in common? They both can cause real trouble for your restaurant. If the worst happens, you could be shut down. All of a sudden your business and income become non-existent and your expenses will begin piling up. Things like cleaning your premises, replacing bad food, medical tests and treatment for employees and patrons who get sick all cost big money. With a Restaurant Pak policy, you’ll have $50,000 of coverage to pay for those losses. We’ll even help with the cost of advertising aimed at restoring your reputation.

Food Spoilage

• Ice storms, thunderstorms, and other disasters can cut power faster than an overdue electric bill. Freezers won’t freeze, lights won’t light, food goes bad and, even if you have power, refrigeration equipment can go on the blink. What’s the result? Spoiled food. With a Restaurant Pak policy, we’ll replace your spoiled food with a fresh claim check. Now that’s refreshing!

Funny Money

• Anything to do with money can create a loss for a restaurant owner. Theft and robbery are two ways, but there are many others—forged deposit slips, missing credit card slips, counterfeit currency, the list goes on and on. The solution is to make sure you have a Restaurant Pak policy.

Lost Income

• Suppose your phones go dead, your sinks go dry, or your power goes out. When property that supplies your electric, water, gas or communications gets damaged, business gets disrupted. Yet, most policies don’t cover these disruptions. What about yours? With Restaurant Pak, you have $25,000 built-in coverage for the loss of income you sustain after the first 12 hours following loss of off-premises utility services.
  
  We also provide unlimited business income and extra expense coverage for up to a full year following covered damage on your premises. Within that year, we’ll continue coverage for up to 60 days after your place has been restored if your income has not returned to normal levels. With most policies, your coverage stops the minute repairs have been made.

Money and Securities

• If your cash, credit card slips and other securities are stolen or destroyed, you’re covered up to $25,000.

Accounts Receivable

• We provide an additional $25,000 of coverage to help you “recoup” money owed to you that destroyed records prevent you from collecting.

Glass Breakage

• Your interior and exterior glass on all levels is specially insured up to $1,000 against breakage—with no deductible.

Outdoor Signs

• Whether or not your signs are attached to your buildings, they’re covered up to $5,000—with no deductible.

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